Loan Program
FHA Loans
Government-backed financing with flexible qualifying for eligible borrowers.
Who this program may fit
Borrowers who may benefit from more flexible credit qualifying and a lower down payment option on a primary residence.
Common uses
- Primary residence purchase
- FHA refinance (streamline or standard)
Key considerations
- FHA mortgage insurance premiums (MIP) typically apply
- Property must meet FHA appraisal guidelines
- Occupancy must be as a primary residence
- Down payment options may be lower than many conventional programs
Documents commonly requested
- Recent pay stubs (typically 30 days)
- W-2s (typically 2 years)
- Federal tax returns (typically 2 years)
- Bank statements (typically 2 months)
The process
- 1Share your goals and financial picture
- 2Review FHA eligibility and alternatives
- 3Complete a secure application
- 4FHA appraisal and underwriting
- 5Clear to close and closing
Frequently asked questions
Related alternatives
Ready to compare your options?
Schedule a strategy call tailored to your goals, income, and timeline.
This is not a commitment to lend. All loans are subject to credit approval, property approval, program guidelines, and applicable terms. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.
Angel Taipale, NMLS #1736690 — Bright Horizon Lending Inc., NMLS #2565670. Verify on NMLS Consumer Access