Flexible Financing.
More Possibilities
for Homeownership.
Buy your first home, your next home, or a property with up to 4 units with FHA financing tailored to your situation. Get competitive rates, fast turn times, and personalized service throughout the process.
- As little as 3.5% down
- Options from 500 FICO
- 2 to 4 unit properties
FHA HOME LOANS
Flexible financing
for more buyers.
3.5%
Minimum down payment*
500+
FICO options available*
2–4 Units
Owner-occupied multifamily
Up to 6%
Seller concessions*
*Subject to credit, underwriting, property, lender, and program requirements.
Your Credit Score Is
Only Part of the Picture.
FHA financing can provide options for buyers with different credit profiles. We look at your income, credit history, debts, and available funds to help identify the right path for you.
Apply Now500–579 FICO
Options available with at least 10% down.
580+ FICO
Options available with as little as 3.5% down.
580+ FICO with
Down Payment Assistance
Available for eligible buyers, subject to program requirements and availability.
Live in One. Rent the Others.
Purchase a duplex, triplex, or fourplex with as little as 3.5% down and 580+ FICO, subject to approval.
Primary Residence
You must occupy one unit for at least 12 months.
Use Rental Income
Qualifying rental income may help you qualify.
Additional Requirements
3 and 4 unit properties have additional rental income and reserve requirements.
Eligible Property Types
FHA financing can be used for a variety of property types, all subject to applicable FHA and lender requirements.
Single Family
Homes
Manufactured
Homes
Modular
Homes
Townhomes
Multi-Family
(Up to 4 Units)
FHA Approved
Condos
Ready to Explore Your FHA Options?
Get clear answers, understand your options, and build a financing strategy around your goals.