This program is the best choice for those who are looking to minimize their down payment, especially first-time home buyers. Unlike Conventional loans, FHA programs provide you with opportunities to make your down payment as low as 3.5% for different types of properties.

FHA loans do have an upfront built in mortgage insurance designed to protect the lender in case of default.


  • Financing up to 96.5%

  • DTI up to 56.99%

  • No appraisal is needed to apply for streamline refinance FHA program

  • Up to 6% of closing costs can be contributed by the seller