Government
FHA Loans
Government-insured financing with flexible credit and low down payment options.
Overview
FHA loans are insured by the Federal Housing Administration and designed to make homeownership accessible for buyers who may have lower credit scores, smaller down payments, or higher debt-to-income ratios. With down payments as low as 3.5% and more forgiving credit guidelines, FHA loans help many first-time and repeat buyers achieve homeownership who might not qualify for conventional financing.
Who It May Fit
First-time buyers, buyers with limited down payment funds, or those with credit scores below conventional thresholds.
Potential Benefits
- Down payments as low as 3.5%
- More flexible credit requirements
- Accepts gift funds for down payment and closing costs
- Assumable by future qualified buyers
- Available for 1-4 unit primary residences
Important Considerations
- Upfront and annual mortgage insurance premiums required
- Mortgage insurance typically cannot be cancelled without refinancing
- Limited to primary residences (owner-occupied)
- Property must meet FHA condition standards
Next Step
Talk to Kahren Oxner
Founder & CEO
Connect with Kahren to review eligibility, structure, and next steps.