FHA Home Loan

FHA loans are perhaps the most well-known type of loan for buying a home. They’re backed by the Federal Housing Administration, making them less risky for lenders. And for home buyers, FHA loans have less stringent requirements, making them easier to obtain than other loans.

Request Rates

Your Guide to FHA Home Loans

Who It’s For

FHA loans are designed for those with low or moderate income, lower credit scores, and want to buy a home with a lower down payment. For example, borrowers may have limited savings and are moderately credit challenged. Or they may be first-time home buyers attracted by the lower down payment option.

The Benefits

Easier Qualification

Easier Qualification

You can qualify for an FHA loan with a credit score as low as 500 and, in some cases, a higher debt-to-income (DTI) ratio.

Low Down Payment

Low Down Payment

The down payment is 3.5% (if your credit score is 580 or higher) or 10% (if your credit score is 500 to 579).

Affordable Interest Rates

Affordable Interest Rates

Borrowers with lower credit scores can often qualify for the same interest rates as borrowers with higher credit scores.

Seller-Paid Closing Costs

Seller-Paid Closing Costs

Sellers can pay up to 6 percent of the loan amount for closing costs. Some closing costs can also be rolled into the loan.

Eligibility Requirements

  • 3.5% down payment if your credit score is 580 or higher
  • 10% down payment if your credit score is 500 to 579
  • Debt-to-income (DTI) ratio of 43% or lower (can go higher on a case-by-case basis)


Quotation mark

Here’s Why We Do What We Do

We would like to thank Jeff Aguilera for the time and knowledge he provided my wife and I with a very smooth transition in the purchasing of our house. Our real estate agent Emily suggested we go with Jeff and he did not disappoint. So thank you very much, again Jeff. It was a true pleasure working with you.
Greg & Susan

Why Right Start Is the Right Choice

Personalized Experience

Personalized Experience

We take the time to get to know you and your goals, then help you every step of the way.

Easy Loan Process

Easy Loan Process

Close your loan in five easy steps—from finding out how much you can borrow to signing the final documents.

Family Owned & Operated

Family Owned & Operated

We take a personalized approach with every client and have built a loyal ‘fans for life’ following.

Experts Since 1989

Experts Since 1989

With 30+ years of experience, we know what we’re doing, and we believe in transparency, trust, and excellent customer service.

Get to Know Us

We’re a family-owned and operated company with a solid team of qualified and enthusiastic mortgage specialists committed to personalized, individual service for each client. We educate, communicate, and are transparent about the loan process to make the experience as smooth as possible.

Meet the Team

Other Loan Programs


FHA loans are backed by the Federal Housing Administration and are especially popular with first-time home buyers.


VA loans offer great benefits, such as low interest rates and no money down, for active-duty military members, veterans, or sur viving spouses.


Private lenders offer conventional loans designed for those with good credit scores and a low debt-to-income (DTI) ratio.


USDA loans are designed for those interested in purchasing an affordable home that’s located in a rural area.


Some homes are priced above conventional conforming loan standards, and that’s where the jumbo loan comes in.

Get in Touch With Our Team

We’re happy to connect with you and answer any questions you might have. Reach out today!