Why Buyers 
FHA
- Only 3.5 % down: Keep more cash for furniture & repairs.
- Credit-flexible: Scores 580+ qualify for top tier.
- Seller-paid costs: Up to 6 % allowed—less out-of-pocket.
- Streamline refi: Drop your rate later with no appraisal.
Own Sooner with FHA Financing
Say goodbye to 20 % down payments and sky-high credit hurdles. Our FHA-approved team turns renters into owners—often in 30 days or less.
Why Buyers
Snapshot: Are You Eligible?
- Credit score ≥ 580 (3.5 % down) or 500-579 (10 % down).
- Debt-to-Income ratio generally ≤ 43 %.
- Steady, documentable income (W-2, 1099, or self-employed).
- U.S. citizen or legal resident with valid SSN.
7 Simple Steps to the Keys
- Tap Start on the form above → instant soft-pull pre-qual.
- Upload docs & lock today’s rate.
- Shop homes within FHA county limits.
- Sign contract—leave the heavy lifting to us.
- FHA appraisal & underwriting approval.
- Final walkthrough & closing disclosure.
- Closing day! Grab the keys and celebrate
FHA FAQs
Is mortgage insurance required?
Yes—an upfront premium (financed into the loan) and a low monthly premium. You can remove it by refinancing once you reach 20 % equity.
Can gift funds cover my down payment?
Absolutely. Parents, grandparents, or close relatives can gift 100 % of your required down payment with a simple gift letter.
What are the 2025 FHA loan limits?
They vary by county—$498,257 (1-unit) in most areas and up to $1,149,825 in high-cost metros. We’ll confirm your limit during pre-qual.
Ready to see your numbers? Scroll back to the top and complete the 60-second questionnaire—no commitment, no SSN hard-pull.