FHA loans offer flexible qualification guidelines, lower down payments, and competitive rates to help you achieve your dream of homeownership.
An FHA loan is insured by the Federal Housing Administration and issued by approved lenders like us. Because the government backs the loan, lenders can offer easier qualification standards and smaller down payments.
It's one of the most popular ways to buy a first home — and it can work for repeat buyers too. Whether you're starting your search or ready to refinance, FHA financing is designed to be approachable.
FHA loans open the door for more borrowers — with guidelines that fit real life.
Get in with as little as 3.5% down — and gift funds from family are allowed.
Qualify with a FICO score around 580 — far more forgiving than most programs.
Government insurance helps keep interest rates competitive and predictable.
Buy your first home, move up, or refinance with the same flexible program.
FHA streamline refinancing can lower your payment with less paperwork.
Our specialists walk you through every step — no mortgage jargon.
These are typical FHA guidelines. Your exact scenario is reviewed one-on-one by a specialist.
Typically a 580 FICO with 3.5% down. Scores 500–579 may qualify with a 10% down payment.
3.5% is the minimum; funds can come from savings, gifts, or approved sources.
Guidelines generally allow a DTI up to 43% — with some flexibility beyond.
Two years of verifiable income history and consistent employment.
FHA loans are for homes you plan to live in — not investment properties.
The home must meet FHA appraisal and safety requirements.
Complete one application and tell us about your goals and timeline.
We review your file, check FHA guidelines, and lock your rate.
We handle the details with your agent and title team — keys in hand.
Most FHA loans allow a credit score around 580 with a 3.5% down payment. Scores between 500 and 579 may still qualify with a 10% down payment. Your specialist will review your exact credit profile.
The minimum FHA down payment is 3.5% of the purchase price for qualified buyers, and gift funds from family can be used to cover it.
Yes. FHA streamline refinance lets existing FHA borrowers lower their rate or payment with reduced documentation and no new appraisal in many cases.
Submitting the contact form does not trigger a credit inquiry. If a credit pull is needed, we explain the process and get your permission first.
Talk to an Eagles Funding Group specialist about your FHA options — we'll guide you from application to keys.
