Lower credit? An FHA loan has you covered.

We offer flexibility for homebuyers with a less-than-perfect credit history.

Get pre-qualified

No credit impact

FHA Loan

Is the fear of not qualifying holding you back?

First-Time buyers

Is the fear of not qualifying holding you back?

→ My credit score isn’t great.

→ I don’t have a large down payment.

→ Debt-to-income ratio feels too high.

→ The mortgage process seems overwhelming.

→ What if I can’t get approved?

The FHA loan is for you!

Flexible approval

Get approved with a credit score as low as 580 and a flexible DTI.

Low down payment

Start with just 3.5% down

Custom loan terms

15- or 30-year terms with fixed or adjustable rate—no prepayment penalties.

How soon do you want to move in?

We’re with you, no matter where you’re at.

I’m ready

How soon do you want to move in?

We’re with you, no matter where you’re at.

I’m ready

Let’s find the perfect FHA loan to make your dream a reality.

Personalize your loan

Looking at homes

Get pre-qualified so you’re ready to make an offer.

Get Pre-qualified Now (No credit impact)

Just exploring

See exactly how much house you can afford. We’ll help you figure it out.

Affordability calculator

Get your home now.

Make your homeownership dream come true with an FHA loan and enjoy the benefits of lower down payments and flexible approval criteria.

Start my pre-approval

No credit impact

Your homeownership  journey starts here.

Owning a home isn’t just a goal—it’s something you deserve. Let’s make this your best decision ever.

1.

Check your credit score and income. Avoid new loans, new credit cards or big buys for six months. Start with our affordability calculator.
2.

See how much you can borrow, so you can house-hunt with confidence. Get pre-qualified with no impact on your credit score.
3.

Secure a commitment letter to make a strong offer. Have your docs ready, and our loan officers will handle the rest.
4.

Once the seller says yes, it’s time to officially apply. We’ll guide you every step of the way.
5.

Close your loan with an escrow company. Once your loan is approved, we’ll set a date to finalize the sale and do one last check on your credit.
Make this your best decision

Check out other loan options

Conventional loans

Buy with 15 or 30-year terms, starting with just 3% down. PMI required for down payments less than 20%.

Best for
Affordability

ITIN Loan

For non-US citizens, non-permanent residents, or those with expired EADs/VISAs.

Best for
Accessibility

Self-employed loan

Perfect for business owners. Qualify with bank statements instead of tax returns, and get quick approval with flexible terms, even with irregular income.

Best for
Flexibility

Get pre-qualified for your FHA mortgage

Fast. Simple. Secure.

Start my home purchase

See what’s possible

Use our calculators to visualize your path to homeownership.

Calculators

FHA Loan Calculator

Estimate your monthly payment, including taxes and insurance.
Calculators

Home affordability calculator

Find out how much home you can afford with your budget.
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