FHA Loans

Susanne Bell, Loan Consultant at Empire Home Loans

FHA Loans

What Are FHA Loans?

Requirements

2026 FHA Loan Limits

Benefits of FHA Loans

Frequently Asked Questions

Ready to Get Started?

LOAN PROGRAMS

Government-Insured Financing

Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers.

FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments, flexible credit requirements, and are especially beneficial for first-time homebuyers.

As little as 3.5% down with credit scores from 580 and above.

Whether you are buying your first home or looking for more flexible qualification criteria, FHA loans provide government-backed security with terms designed for working families.

*Subject to AUS Approval. Rates and requirements are subject to change.

FHA loan limits vary by area. Here are the current limits by area type.

Let us help you navigate the FHA loan process and find the perfect home financing solution.

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