FHA Loans
FHA loan programs built for buyers who want lower down payment options and flexible qualifying, backed by our FHA specialists.
The benefits of going FHA with an FHA specialist
FHA loans open the door for a lot of buyers. We know the program inside and out, in both Texas and Colorado.
FHA Specialists on Your Side
FHA loans are one of our core specialties, so we know how to structure your file for a smooth approval.
Flexible Qualifying
FHA guidelines allow more flexibility on credit history and down payment than many conventional programs.
A Pre-Approval That Holds Up
We review your income, assets, and credit against FHA guidelines up front, so your letter reflects what you can genuinely close on.
Guidance From Start to Close
Your dedicated team walks you through documentation, appraisal, and closing every step of the way.
Quick Answer
FHA loans let you buy a home with as little as 3.5% down and more flexible credit requirements than many conventional programs. We'll walk you through the guidelines and tell you honestly whether it's the right fit.
FHA loans are one of the most popular ways to buy a home, especially for first-time buyers and borrowers who want more flexibility on down payment and credit. As FHA specialists, we help you understand exactly how the program works and whether it fits your situation.
We serve buyers across Texas and Colorado, walking you from application to closing so you understand every requirement along the way. All loans are subject to underwriting approval.
Pro Tip
FHA loans include both an upfront and an annual mortgage insurance premium. Ask your loan officer to show you both costs upfront so there are no surprises in your monthly payment.
Typical Guidelines
Your scenario may differ — these are common ranges, not guarantees.
| Category | Typical Guideline |
|---|---|
| Down Payment | As low as 3.5% |
| Credit Score | Commonly 580+ for 3.5% down (lower scores may qualify with more down) |
| Debt-to-Income | Typically up to 43–50% with compensating factors |
| Occupancy | Must be your primary residence |
| Mortgage Insurance | Upfront and annual premium required |
Run Your Numbers.
Get an estimate of what this loan could look like for you.
Ready to Move Forward With FHA Loans?
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