Credit not perfect? Savings still growing? FHA was built for you.
FHA loans offer low down payment options and flexible credit guidelines. Because each lender adds its own rules, shopping more of them can turn a “no” into a “yes.”
First-time buyers, buyers rebuilding credit, buyers with a smaller down payment, and buyers using gift funds from family.
What makes FHA different
Built for buyers who need a little flexibility.
Low down payment options
For qualified buyers.
Flexible credit guidelines
Guidelines designed around FHA rules.
Gift funds allowed
Gift funds from family can go toward your down payment.
Mortgage insurance applies
We'll explain how it works and when a conventional loan might cost less.
Why a broker helps
Two FHA lenders can look at the same file and give different answers. We know which lenders fit which files.
How it works
Three steps to keys.
Share your situation
Income, credit range, savings.
We match you with FHA lenders
Lenders whose guidelines fit your file.
We guide you to closing
Including the FHA appraisal.
Questions, answered straight
Common questions
What credit score do I need?+
It depends on the lender and your down payment. Tell us your range and we'll tell you where you stand.
Is FHA only for first-time buyers?+
No. Anyone who qualifies and will live in the home can use it.
Can I remove FHA mortgage insurance later?+
Sometimes, or you may refinance out of it later.
FHA or conventional — which is cheaper?+
It depends on your credit and down payment. We'll price both.
Brokered Home Loans and Edge Home Finance Corporation are not affiliated with, endorsed by, or acting on behalf of HUD, FHA, or any government agency.
Find out what's possible — before you assume it isn't.
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Call, text, or book a time that works. We'll walk you through what's possible for your situation.