Low down payment. Flexible credit. Easier approval.
FHA loans help more people become homeowners—even with limited savings or less-than-perfect credit.

An FHA loan is a government-insured mortgage that makes homeownership more accessible. With a minimum 3.5% down and lenient credit requirements, it’s a top choice for first-time buyers.

💵 Only 3.5% down with a 580+ credit score
✅ Easier credit and debt ratio guidelines
📄 FHA mortgage insurance is required
📆 Available in 15- and 30-year fixed terms

Whether you’re buying your first home or starting over, FHA loans make it easier to qualify and close with confidence.

🧾 Low credit score? No problem
🎯 Just 3.5% down with 580+ credit
🏠 Perfect for first-time buyers
🎁 Use gift funds for down payment
🔄 Easy refinance options later

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Company NMLS: xxxxxx

Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))

Licensed in Colorado. Regulated by the Colorado Division of Real Estate.
NMLS ID: XXXXXX • Visit https://dre.colorado.gov or call (303) 894-2166 to verify the license status or file a complaint.