FHA Loans

Affordable home financing with low down payments flexible credit guidelines.

Affordable Home Financing with Low Down Payments

FHA loans are one of the most popular and trusted home loan options available—backed by the Federal Housing Administration and designed to make homeownership possible for more families. Whether you’re a first-time homebuyer or someone looking for a fresh start, an FHA loan provides flexible credit requirements and a low down payment starting at just 3.5%.

Why Choose an FHA Loan?


  • Low Down Payment Options – As little as 3.5% down with a 580+ credit score.
  • Flexible Credit Guidelines – Great for first-time buyers or those rebuilding credit.
  • Competitive Interest Rates – FHA loans are backed by the government, which helps keep rates low.
  • Assumable Loan – If you sell your home later, your buyer could take over your FHA loan and its rate.
  • Gift Funds Allowed – Family or friends can help with your down payment or closing costs.


Seller and Closing Cost Benefits

FHA loans also allow sellers to contribute up to 6% of the loan amount toward your closing costs—more generous than many conventional loans, which typically cap seller contributions at 3%.


This can mean thousands in savings at closing, helping you keep more money in your pocket for moving and settling into your new home.

How It Works

1

Get Pre-Qualified

We’ll assess your income, credit, and goals to find the right FHA program for you.

2

Find Your Home

Shop with confidence knowing what you can afford.

3

Complete Your Application

We handle the paperwork and guide you every step of the way.

4

Close & Move In

Enjoy the pride of homeownership with affordable monthly payments.

 🌿FHA + Solar Incentives (Go Green and Save More!)

Through select programs, qualified buyers may receive up to $13,000 in additional funds toward their down payment or closing costs when installing solar energy systems.  Ask us how you can combine FHA benefits with solar savings for maximum impact.

Ask About FHA + Solar

Quick FAQ's

Minimum Down?


Typically 3.5% with 580+ credit. Lower scores may qualify with higher down.


Can I use gift funds?


Yes, gifts from family or approve sources can cover down payment and closing costs.


Are FHA loans assumable?


Yes, A byer may assume your FHA loan - potentially valuable if rates rise.



Ready to Get Started?

At The Huntress Home Loan Pro, we simplify the process and advocate for your success.
Let’s make your homeownership dream a reality—affordably, confidently, and stress-free.

GET PRE-QUALIFIED