FHA Loans
Government-backed flexibility for more buyers
FHA loans are insured by the Federal Housing Administration and designed to help more Americans achieve homeownership. They feature lower down payment requirements and more flexible credit guidelines than conventional loans.
3.5%
Min. Down Payment
580+
Min. Credit Score
$498,257
Loan Limit
21–30 Days
Typical Close
Key Features & Benefits
- 3.5% down with 580+ credit score
- Gift funds allowed for entire down payment
- Higher debt-to-income ratios accepted
- Streamline refinance option available
- Competitive rates regardless of credit
- Manual underwriting available for unique situations
Best For
- First-time homebuyers
- Lower credit scores
- Limited savings
- Gift fund down payments
May Not Be Ideal If
- Borrowers who want to avoid mortgage insurance
- High loan amounts above FHA limits
- Investment properties
How It Works
Your Path to Closing
Get Pre-Approved
We pull your credit and review your income to confirm your FHA eligibility and maximum loan amount.
Find Your Home
The property must meet FHA minimum property standards. We'll flag any potential issues early.
FHA Appraisal & Underwriting
FHA appraisals include a property condition review. Our team manages the process to keep things on track.
Close & Get Keys
FHA loans typically close in 21–30 days. We'll walk you through every document at closing.
Common Questions
Frequently Asked Questions
Free Mortgage Guide
FHA vs. Conventional: Which loan is right for you?
Also Consider
Other programs that may fit your situation
See If You Qualify for an FHA Loan
Our loan officers specialize in FHA programs and can pre-approve you in as little as 24 hours.
All loan programs subject to credit approval. Rates, terms, and availability subject to change without notice. Not a commitment to lend. Capital Financial Group Corporation — NMLS #2547138. Equal Housing Lender. www.nmlsconsumeraccess.org