Purchase
FHA purchase
Lower down payment and more flexible credit for owner-occupied purchases.
- Low down payment
- Owner-occupied focus
- Condo and SFR options
Who it is for
First-time and repeat buyers who want a smaller cash to close on a primary residence.
FHA financing can reduce cash to close when credit or reserves would stretch a conventional file. Mortgage insurance and occupancy rules still apply; we walk those numbers before you write an offer.
If the property or income picture is outside FHA, we pivot to conventional, VA, or Non-QM rather than forcing a government box.
Questions
- Can I use FHA on an investment property?
- FHA is built for owner-occupied homes. Investment purchases usually use conventional, DSCR, or other Non-QM programs.
- Does FHA work with a condo?
- Yes when the project meets FHA approval or a single-unit exception is available.
Related programs
- Conventional
Agency-backed financing for borrowers with documented income and a clean credit profile.
- 3% down
Agency and specialty programs that keep cash to close lower for qualified buyers.
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.