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30-year fixed FHA loan

low down payment, relaxed restrictions

21 Day Guarantee

We'll close your new purchase in 21 days or less or your first payment is on us*

the perfect loan for

first-timers and smart shoppers

FHA loans are insured against default by the Federal Housing Administration. That means they come with some nice benefits, including less stringent requirements, a lower down payment threshold, and lower interest rates. Originally, FHA loans were created with lower-income borrowers in mind. Ever since the housing crash, though, they’ve become popular across all income levels—especially among those with “just okay” credit. Now they account for almost a fifth of all new purchase mortgages.

A 30-year fixed-rate FHA loan is a great choice for those looking for a low monthly payment that won’t change.

Happy Couple

Close your loan for less—apply for an FHA today.

benefits

  • Down payments as low as 3.5%
  • A lower than average credit score threshold
  • Extra low closing cost options available
  • Qualifies for our GreenLight Approval Program—get GreenLit and close in 21 days*

requirements

  • A 3.5% down payment
  • Steady employment history
  • Primary residences only
  • A credit score of 580 or above
  • No bankruptcies in the last 2 years and no foreclosures in the last 3 years, with re-established good credit
  • A debt-to-income ratio under 43%

*Terms and conditions apply.

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