FHA Loan

FHA is a low-down payment program when purchasing or refinancing a home.


  • Minimum credit score of 580. This is for a mortgage with a 3.5 percent down payment. 10 percent down is required for applicants with scores between 500 and 579.
  • 3.5% down payment from an acceptable source. Your down payment can come from savings ora gift.
  • Primary residence. This loan cannot be used to purchase a vacation home or second home.

Loan terms for FHA home buyers

  • 30 year fixed rate
  • 15 year fixed rate

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