🏠 This residential loan program is exclusively available for Texas borrowers.

← All Loan Programs🏛️ FHA

FHA Loans

Low down payment government-backed loans for primary home buyers.

Apply for This Loan

Overview

FHA loans are insured by the Federal Housing Administration and designed to help buyers with lower credit scores or limited savings purchase a home. With as little as 3.5% down and flexible credit requirements, FHA is often the best path for first-time buyers and those rebuilding credit.

  • Only 3.5% down payment with 580+ credit score
  • 10% down accepted with 500–579 credit score
  • Sellers can pay up to 6% of closing costs

Loan Specifications

Min Amount

$50,000

Max Amount

$1,149,825 (2024 limit)

Loan Term

15 or 30 years

Max LTV

Up to 96.5%

Amortization

15 or 30 years

Rate Type

Fixed or ARM

Eligibility Criteria

  • Primary residence only (not investment property)
  • Minimum 500 credit score (3.5% down requires 580+)
  • Steady employment history (2 years preferred)
  • Property must meet FHA minimum standards

Required Documents

Documents are uploaded through our encrypted secure portal, stored on Cloudflare R2 enterprise storage, and only accessible to your assigned broker via a private link. Never shared with third parties.

  • 2 years W-2s and tax returns
  • Last 30 days pay stubs
  • 2 months bank statements
  • Government-issued ID
  • FHA appraisal required

Frequently Asked Questions