Loan program
FHA
An FHA loan is a mortgage insured by the Federal Housing Administration, built for borrowers who need flexible credit or down-payment guidelines.
What is an FHA loan?
An FHA loan is insured by the Federal Housing Administration. The insurance protects the lender, which is why FHA guidelines can be more flexible than many conventional overlays on credit and down payment.
Who is FHA built for?
First-time buyers and repeat buyers who want a lower cash-to-close path, or who have credit events that make conventional pricing or eligibility harder, often compare FHA. It is for primary residences, not investment purchases.
How does FHA mortgage insurance work?
Most FHA loans include an upfront mortgage insurance premium and an ongoing annual premium. That structure is different from conventional PMI, which can often be canceled later. We walk through the trade-offs against a conventional option on your numbers—not as a rate quote, but as program fit.
What should we compare next?
If you can bring more cash to close and your credit profile fits conventional overlays, conventional may be worth comparing. If you have VA eligibility, VA is usually worth reviewing before locking in on FHA.
Other programs worth comparing
Ready for the next step?
Start an application or book a call. I will help you compare what fits.