🔒 Safe, Secure, and Confidential
Homeownership could be within reach. With as little as 3.5% down and credit guidelines built for real life, an FHA loan could be the perfect fit for your homebuying needs.
• 3.5% down with a 580+ credit score
• Up to 6% of closing costs covered by the seller
• Gift funds from family members welcomed
Are you a first-time homebuyer or have limited savings?
Do you have low to moderate income and need an affordable option?
Do you need down payment assistance from a family member or seller?
Do you need flexible credit score requirements?
Built for buyers who've been told "not yet" - and are ready to hear "let's go."
Low Down Payment
As little as 3.5% down with a 580+ credit score. Step into a home with a fraction of what conventional loans typically demand.
Flexible Credit Guidelines
Options available for buyers with past credit challenges (subject to FHA waiting periods). Your story isn't over.
Available Loan Terms
Choose between fixed-rate stability and adjustable-rate flexibility — whichever fits the season of life you're in.
Gift Funds Accepted
Family members can contribute toward your down payment. Generations can move you in together.
Seller Contributions
Sellers can cover up to 6% of closing costs — keeping more cash in your pocket on move-in day.
Credit Events
FHA guidelines may allow eligibility after certain credit events, like foreclosure or bankruptcy (subject to waiting periods and lender approval). Comebacks are allowed.
What is an FHA loan?
An FHA loan is a government-backed mortgage designed to make homeownership more accessible, especially for first-time buyers, buyers with limited savings, or buyers who need more flexible credit guidelines.
How much do I need for a down payment with an FHA loan?
Qualified buyers may be able to purchase a home with as little as 3.5% down with a 580+ credit score, subject to FHA guidelines and lender approval.
Can family help with my FHA down payment?
Yes. FHA guidelines may allow gift funds from eligible family members to be used toward your down payment, as long as documentation requirements are met.
Can the seller help pay my closing costs?
Yes. Sellers may be able to contribute up to 6% of the purchase price toward allowable closing costs, which can help reduce the amount of cash you need at closing.
Are FHA loans only for first-time homebuyers?
No. FHA loans are popular with first-time buyers, but they are not limited to first-time homebuyers. They may also be a fit for repeat buyers who meet FHA eligibility requirements.
Based on your answers, John can put together a personalized plan. Where should he send it?
By submitting this form, you are granting permission to Supreme Lending to contact you by mail, email, phone, or text, even if you are on a corporate, state or national Do Not Call list.
First of all, thank you.
Second of all. High five. ✋
A member of our team will reach out to you shortly to speak with one of our loan experts right away.
