FHA Home Loans

Homeownership May Be Closer Than You Think.

FHA loans are mortgages insured by the Federal Housing Administration and can offer a different path to financing for qualified homebuyers. We’ll help you understand the requirements, compare your options, and see whether FHA financing makes sense for you.

See If I Qualify Ask Brittany a Question

Applying lets us look at your actual situation and explain which mortgage options may be available to you.

Government-Insured Mortgage

01 Explore Your Eligibility

02 Compare Loan Options

03 Build Your Homebuying Plan

Why FHA?

Why Do Buyers Consider FHA?

Every buyer’s financial picture is different. FHA financing gives qualified buyers another mortgage option to consider, especially when a conventional loan may not be the best fit. The goal isn’t to choose FHA just because it’s FHA — it’s to find the financing that makes the most sense for you.

FHA isn’t only for first-time homebuyers.

Eligible repeat buyers may use FHA financing too. Your qualifications, property and overall loan scenario determine which options may be available.

Find Out What I May Qualify For

Another Qualification Path

FHA loans have their own underwriting guidelines, giving qualified buyers another financing path to explore.

Flexible Down Payment Options

Depending on eligibility and the loan scenario, FHA financing can provide options for buyers who may not be planning a large down payment.

A Loan Worth Comparing

FHA is one option, not automatically the right option. We can compare the available loan paths and help you understand the differences.

Your Loan Officer

Brittany Thompson

Loan Officer | NMLS #2110106

FHA Qualification

FHA Looks at More Than One Number.

Qualifying for a mortgage is about your complete financial picture. FHA guidelines consider several parts of your loan scenario together. Brittany can walk through those pieces with you and help you understand what may matter most in your situation.

Income & Employment

Your documented income and employment history help determine whether the proposed mortgage payment fits your overall financial picture.

Credit History

Your credit profile provides insight into how you’ve managed previous financial obligations and is one part of the overall underwriting review.

Monthly Obligations

Existing debts and recurring monthly obligations are reviewed alongside your income when evaluating the mortgage scenario.

Property & Available Funds

The property, available funds and complete purchase scenario are also reviewed as part of determining whether FHA financing may work for you.

See What I May Qualify For

Every loan scenario is different. Final eligibility is determined through the full loan application and underwriting process.

3.5%

Minimum Down Payment

For eligible FHA borrowers who meet applicable qualification requirements.

FHA Down Payment

You May Not Need 20% Down.

One of the biggest misconceptions about buying a home is that you need a huge down payment. FHA financing can allow eligible borrowers to purchase with a smaller down payment. But the amount you put down is only one part of deciding whether FHA is the right loan for you.

Your Qualifications Matter

The down payment available to you depends on meeting applicable FHA and lender qualification requirements.

Down Payment Isn't the Only Cost

Buyers should also plan for closing costs, prepaid expenses and other costs associated with purchasing a home.

We'll Look at the Full Picture

Brittany can help you compare your financing options and understand how different down payment choices may affect your overall homebuying plan.

See What My Options Look Like

Loan approval and available terms are subject to complete underwriting, borrower eligibility, property eligibility, lender requirements and applicable FHA guidelines.

FHA Mortgage Insurance

What About Mortgage Insurance?

FHA loans include mortgage insurance as part of the loan structure. It helps support the FHA program and is one of the important costs to understand when comparing FHA with other mortgage options. The right question isn’t whether mortgage insurance exists — it’s what the complete monthly payment and long-term loan structure look like for you.

Compare the whole loan — not just one expense.

Down payment, interest rate, mortgage insurance, monthly payment, closing costs and your future plans should all be considered together before choosing a mortgage.

Compare My Mortgage Options

Understanding the Cost

Look at How FHA Fits Into the Entire Payment.

Mortgage Insurance Is Part of FHA

FHA financing includes mortgage insurance requirements that should be factored into the overall cost of the loan.

Your Payment Is More Than Principal & Interest

Taxes, homeowners insurance, mortgage insurance and other applicable costs can all affect your actual monthly housing payment.

Compare FHA With Your Other Options

Brittany can help you compare FHA with other available mortgage options so you can understand the differences in payment, upfront costs and overall structure.

Mortgage insurance requirements and loan costs depend on the applicable FHA program, loan terms, borrower qualifications and other details of the transaction.

Is FHA a Good Fit?

The Best Loan Is the One That Fits You.

FHA can be a strong financing option for some homebuyers, but qualifying for FHA doesn’t automatically mean it’s the best mortgage for your situation. The smart move is comparing the options using your actual financial picture and homebuying goals.

FHA May Be Worth Exploring

FHA Could Be One of Your Options If...

Your complete loan scenario will determine eligibility, but these are some reasons a buyer may want to explore FHA financing.

You’re purchasing a home you plan to use as your primary residence.

You want to explore financing that may allow a smaller down payment.

Your financial profile may fit FHA underwriting guidelines better than another loan option.

You want to compare FHA against conventional or other mortgage programs available to you.

Compare Your Options

Another Mortgage May Make More Sense If...

FHA is only one financing path. Depending on your qualifications and goals, Brittany may identify another option that deserves consideration.

Your qualifications give you competitive conventional financing options.

The property or purchase scenario doesn’t align well with applicable FHA requirements.

Your available down payment and financial profile create other attractive financing possibilities.

Another loan structure better supports your payment, upfront-cost or long-term financial goals.

You Don't Have to Choose the Loan Before You Apply.

Brittany can review your actual numbers, compare the mortgage options available to you, and explain the differences so you can make an informed decision.

Compare My Loan Options Ask Brittany a Question

Loan availability, qualification and terms depend on the complete application, borrower qualifications, property eligibility, underwriting requirements and applicable loan program guidelines.

Ready for the Next Step?

Let's Find the Mortgage That Actually Fits You.

You don’t need to know whether FHA is the right loan before reaching out. Brittany can review your situation, compare the financing options available to you, and help you understand your next move.

Start My Pre-Approval Ask Brittany a Question

Understand your qualification options

Compare FHA with other loan programs

Get a clear homebuying plan

Loan approval, program availability and loan terms are subject to complete application, underwriting, borrower qualifications, property eligibility and applicable loan program requirements.