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FHA loans are one of the most popular options for first-time homebuyers and buyers with limited savings or lower credit scores. Because these loans are insured by the Federal Housing Administration, they offer more flexible qualification guidelines, making homeownership possible for more people.
What You Need to Qualify for an FHA Loan
Stable IncomeFHA loans are designed to make homeownership more accessible. While every borrower’s situation is unique, most FHA buyers generally need:
You’ll need a steady source of income that shows you can comfortably manage a monthly mortgage payment. This can come from employment, self-employment, or other qualifying income sources.
FHA loans allow more flexibility than conventional loans. Many buyers qualify with credit scores starting around 580, and in some cases even lower, depending on the overall financial profile.
FHA loans typically require as little as 3.5% down, making them a popular choice for first-time buyers or those without large savings.
The home must be your primary residence, meaning it’s where you plan to live full-time, not an investment or rental property.
FHA loans require mortgage insurance, which helps protect the lender and allows more flexible qualification standards for buyers.
Not sure if you qualify? That’s okay — many buyers are surprised to learn they’re closer than they think.
Buying your first home can feel overwhelming — especially when you’re unsure how much you need to save, whether your credit is “good enough,” or where to even begin. FHA loans were specifically designed to remove many of these barriers and help first-time buyers move forward with confidence.
For many first-time homebuyers, FHA loans offer:
If you’ve been renting, saving slowly, or putting off buying because it feels out of reach, FHA financing may open the door sooner than you expect.
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