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FHA Home Loans

Discover our FHA loan options—an ideal choice for first-time buyers. This government-backed loan offers lenient borrower requirements, low down payment options, attractive rates, and greater credit score flexibility. Your pathway to affordable homeownership starts here.

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First-Time Buyer? FHA Delivers.

Why Choose an FHA Home Loan?

FHA loans are the perfect choice for first-time buyers who may not qualify for conventional loans. Enjoy homeownership with just 3.5% down, flexible credit scores, competitive rates, and multi-unit property approval.

Is FHA Right For You?

FHA mortgages were created to eliminate unnecessary barriers between you and your homeownership dreams. They are designed for:

First-time buyers with limited down payment savings.
Borrowers with lower credit scores who may not qualify for conventional loans.
Moderate-income borrowers looking for greater lending flexibility.
Multi-unit property investors aiming to generate rental income while paying down their mortgage.
Down payment assistance recipients looking to further reduce upfront homebuying costs.

FHA Loan Benefits

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Low Down Payments
FHA loans offer low down payment options, typically as low as 3.5%, making homeownership more accessible.
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Flexible Credit Score Requirements
FHA mortgages offer greater credit score leniency, allowing borrowers with scores as low as 580 to still qualify.
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Government-Backed Security
FHA loans provide borrowers with government-backed security, which includes more favorable loan terms and interest rates.
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Down Payment Assistance
FHA mortgages may be combined with down payment assistance programs, allowing you to further reduce upfront costs.

Eligibility Requirements

Wondering if FHA loans are right for you? Explore loan eligibility requirements:

Credit Score: FHA home buyer programs typically require a minimum credit score of 500-580. Lower scores may be eligible with a 10% down payment.

Down Payment: Your financial situation and loan amount could allow for a minimal 3.5% down payment on an FHA loan.

Debt-to-Income Ratio (DTI): Your monthly financial debts should not exceed 43% of your monthly income. 

Qualifying Property: To ensure your home meets FHA standards, your property must be appraised by an FHA-approved appraiser.

Getting Started: From Application to Approval

Wondering what to expect when you apply? It all begins with a straightforward application, where we collect details about your income, employment history, and existing debts. Next, we assess this information to evaluate your financial stability and creditworthiness. From here, you’ll be asked to provide additional documentation, such as pay stubs and tax returns.

Rest assured, we're here to assist you at every step, keeping everything seamless, transparent, and stress-free.

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Master Your FHA Mortgage: Mortgage Payment Calculator

In addition to jump-starting your FHA loan application with our checklist, you can take another step forward by using our free mortgage payment calculator. This user-friendly tool considers your loan amount, interest rate, and loan term, making it easier to plan your finances and make informed decisions for your home purchase.

Our Team

Meet the dedicated professionals who will guide you to the doorstep of your dream home. Our team seamlessly blends industry knowledge with personalized customer service to ensure a smooth and supportive homebuying experience. With us, you are more than just a client—you're a valued family member.

Meet the Team
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Here’s Why We Do What We Do

I had a great overall experience with Eagle Home Financial. They were extremely knowledgeable and made the entire mortgage process very quick and easy. Any large purchase can be overwhelming but they were there to promptly answer any and all questions. I would highly recommend Eagle Home to any friends or family.

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Ricky Gundrum
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Why Work With Us?

Fast Closing

Fast Closing

Complete your mortgage process in as little as three weeks for a faster home-buying experience.

Expertise at Every Step

Expertise at Every Step

Receive personalized advice from experienced mortgage experts who understand your needs and treat you like family.

Competitive Rates

Competitive Rates

Gain access to the most competitive rates in the market while lowering your long-term mortgage expenses.

Explore Our Resources

Looking for simple answers about the mortgage process? Our resources will help. Covering everything from applications to credit requirements, closing costs, and rates, you’ll find clear, easy-to-understand answers to common mortgage questions here.


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Unlock Home Ownership with Flexible FHA Home Loans

Whether you're a first-time buyer in need of flexible credit score requirements, shopping for a multi-unit property, or looking for flexible down payment options, FHA loans were designed with your needs in mind. Let's unlock homeownership together.
Apply Now