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FHA Loans
Your first home is closer than you think.
FHA loans are backed by the Federal Housing Administration and designed to make homeownership accessible — with low down payments and flexible credit requirements.
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What It Is
The most accessible path to ownership.
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. Because the government guarantees the loan, lenders can offer it to buyers with lower credit scores and smaller down payments than conventional loans typically require.
FHA loans are the most common choice for first-time homebuyers — and for good reason. The barrier to entry is lower, the qualification requirements are more forgiving, and it allows buyers to get into a home sooner rather than spending years saving for a large down payment.
Who It's For
- First-time homebuyers with limited savings
- Buyers with credit scores in the 580–620 range
- Anyone who wants a low down payment option
- Buyers with a recent credit event (bankruptcy, foreclosure) that's been resolved
How It Works
01
Check your eligibility
FHA requires a minimum 580 credit score for 3.5% down. Scores between 500–579 may qualify with 10% down.
02
Get pre-approved with Donna
We review your full picture — credit, income, employment history — and tell you exactly what you qualify for.
03
Find your home
FHA loans apply to primary residences. The property must meet FHA condition standards.
04
Close and own it
30–45 day close. Donna walks you through every document so nothing is a surprise.
FHA Quick Facts
- 3.5% down payment with 580+ credit score
- Gift funds allowed for down payment
- Seller can contribute up to 6% toward closing costs
- Available for single-family, condos, multi-unit (owner-occupied)
- MIP (mortgage insurance premium) required