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FHA Loan

An FHA mortgage is a popular option with first-time homebuyers. It was created to help potential homebuyers purchase a home of their own by providing a lower down payment option and flexible underwriting criteria. 

What you need to know about FHA loans

You can use an FHA loan to purchase a new home with a down payment as little as 3.5%. The Federal Housing Administration (FHA) insures FHA home loans. Because of that, FHA-approved lenders can offer these more flexible loans because borrowers using an FHA loan pay mortgage insurance (MI), which protects the lender in case the borrower defaults.

An FHA loan has less strict qualifying criteria and credit requirements compared to a conventional loan. The minimum credit score depends on a variety of factors, so be sure to check with your Certainty Loan Officer. The FHA mortgage was originally created for first-time homebuyers, but it is now open to a much wider audience. Under FHA guidelines, if you have not owned a primary residence for at least three years you may qualify as a first-time homebuyer!

* Certainty Home Loans is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.


Finance Your Home with Confidence Guide

Buying your dream home is possible! And with Certainty by your side, you can navigate the mortgage process with confidence. This guide is to help you navigate your financing journey and help you know what to expect every step of the way.

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Flexible qualifying guidelines with lower credit score requirements

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Fixed and adjustable rate terms available

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Down payment as low as 3.5%

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Down payments can be paid with gift funds

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Common FHA questions, answered.

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