FHA Loans
Government-backed loans insured by the Federal Housing Administration, designed for first-time buyers with lower credit scores.
FHA lenders offer government-insured mortgages with lower credit score requirements (as low as 580) and down payments as small as 3.5%, making homeownership accessible to first-time buyers. They are ideal for borrowers who may not qualify for conventional financing due to credit history or limited savings. Be aware of mandatory mortgage insurance premiums and compare lender-specific rates, as FHA rates vary between lenders.
New American Funding
Diverse mortgage lender with a strong commitment to underserved communities
CrossCountry Mortgage
Fast-growing national mortgage lender with a diverse range of loan products
Movement Mortgage
Mission-driven mortgage lender focused on speed, community, and social impact
Guild Mortgage
Established independent mortgage lender with deep expertise in government loans