FHA Loans
Low down payment options for first-time homebuyers
FHA loans are government-backed mortgages insured by the Federal Housing Administration, designed to help first-time homebuyers and those with less-than-perfect credit achieve homeownership. With lower down payment requirements and more flexible credit guidelines, FHA loans make it easier to qualify for a mortgage.
Key Benefits
Low Down Payment
As little as 3.5% down payment with a credit score of 580 or higher
Flexible Credit Requirements
More lenient credit score requirements compared to conventional loans
Lower Interest Rates
Competitive rates backed by government insurance
Gift Funds Allowed
Down payment can come from family gifts or approved sources
Higher Debt-to-Income Ratios
May qualify with higher DTI ratios than conventional loans
Assumable Loans
FHA loans can be assumed by qualified buyers when you sell
Typical Requirements
Credit score of at least 500 (580 for 3.5% down)
Steady employment history (typically 2 years)
Property must be primary residence
Debt-to-income ratio typically below 43%
Property must meet FHA appraisal standards
Mortgage insurance required
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Related Resources
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This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
Copyright © 2026 | Anthony Galaviz
Licensed in: AZ, TX, GA, NM, CA, FL
NMLS #2018327
Address: 7840 S Sorrell Ln Gilbert 85298 AZ
Phone: 602-705-7983
Email: [email protected]
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
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