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.
One of the lowest down payments available for a purchase.
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 around 580 with 3.5% down, 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.
As little as 3.5% of the purchase price — and that 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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