A government-insured loan that makes homeownership more accessible with low down payments, flexible credit requirements, and higher debt-to-income limits.
SCROLL TO DISCOVER
An FHA loan is a government-insured mortgage created to help more people achieve homeownership—especially those who may not qualify for conventional financing. With credit score requirements starting as low as 580 and down payments from just 3.5%, FHA loans offer a more inclusive path for buyers who have steady income but may be short on savings or still building credit. This loan is designed for primary residences and works for a wide range of property types, including single-family homes, condos, and 2–4 unit properties (with owner occupancy). FHA also allows for higher debt-to-income (DTI) ratios than many other loan types, and gift funds from family or employer assistance can be used toward the down payment or closing costs. It’s a practical, flexible solution that makes homeownership possible when other loan types may fall short.
FHA loans remove common barriers to entry by offering flexible guidelines and government backing. Whether you're a first-time buyer or returning to the market after past credit challenges, FHA provides a reliable route forward with features built to support accessibility. Mortgage insurance is required—but in exchange, you get a loan option that works with lower FICO scores, allows higher DTIs, and is fully assumable. That last point becomes especially powerful when rates rise: an FHA loan can be passed on to a future buyer, potentially making your property more attractive when it’s time to sell. If you have reliable income but feel sidelined by stricter lending standards, FHA could be the lifeline that gets you home.
Applying for an FHA loan with Elliman Capital is fast, streamlined, and borrower-first. Begin with a quick online application, and our experienced lending team will help you understand your options and navigate next steps with clarity and care. We specialize in personalized lending solutions that meet you where you are—and guide you toward where you want to be. Let’s take the first step together.
