An FHA loan is a government-backed mortgage built to make buying a home reachable — a lower down payment, flexible credit guidelines, and competitive rates. It's one of the most popular paths for first-time buyers.
Built for buyers with smaller savings.
Many buyers qualify with a score around 580.
Your down payment can come from a family gift.
A favorite first step into homeownership.
Many buyers qualify with a score around 580, and some qualify with a lower score and a larger down payment or compensating factors. A Clear Home Loans officer reviews your full picture and builds a plan.
FHA is built for a low down payment — your loan officer will confirm the amount for your situation, and the down payment can come from gift funds from family.
Yes. FHA is popular with first-time buyers, but repeat buyers can use it too, as long as it's for a primary residence.
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Tell us a little about your plans and a licensed Clear Home Loans loan officer will follow up to talk through your options. It takes about a minute, with no obligation.