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The perfect loan for first
time home buyers

FHA loans are insured by the Federal Housing Administration (FHA). With this program FHA-approved lenders reduce their risk of loss if a borrower defaults on their mortgage payments. FHA loans are very popular, especially with first-time home buyers, due to their low down payment requirements, flexible income, debt, and credit standards. With an FHA insured loan down payment and closing costs may be funded by a gift or grant.


  • Down payments as low as 3.5%
  • Less than perfect credit score accepted
  • Gift Funds are OK


  • A 3.5% down payment
  • Two year employment history
  • Primary residences only
  • A credit score of 640 or above
  • No bankruptcies in the last 2 years
  • No foreclosures in the last 3 years