FHA Mortgage Loan

Low Down Payment Home Loans

An FHA Loan (Federal Housing Administration Loan) is built to support first-time buyers and those rebuilding credit. With flexible terms and low down payments, they make homeownership more attainable. Whether you’re just starting out or starting over, this loan helps you move forward with confidence.

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Explore Your FHA Loan Options

See How Much Home You Can Afford

Use our FHA mortgage calculator to estimate your monthly payments based on home price, loan amount, interest rate, and term. It’s a simple way to plan your home purchase with confidence.

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Check Today’s FHA Mortgage Rates

We offer competitive FHA rates that help keep monthly payments affordable. Based on your credit, income, and budget, we’ll help you find the right loan terms.

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These tools let you explore your home financing options with clarity and confidence.

Apply for an FHA Mortgage Online

Apply online for an FHA Loan and get pre-approved quickly—so you can shop for a home knowing exactly what you can afford. It’s the best way to move forward with peace of mind.

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What Can an FHA Loan Be Used For?

FHA Loans can be used for:

Primary residences only
Single-family homes or certain multi-unit properties
Homes that meet FHA property standards

FHA also allows lower down payments—just 3.5% for qualified buyers—and may permit seller contributions toward closing costs.

Don’t Forget Homeowners Insurance

Protect your home with coverage you can trust. We’ll help you get started.

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Frequently Asked Questions

Can I get an FHA loan with a low credit score?

Yes. FHA loans are designed to help buyers with fair to good credit. Requirements vary, but scores as low as 580 may qualify with a 3.5% down payment.

What’s the minimum down payment for FHA?

Just 3.5% if you meet credit guidelines.

Can the seller help with closing costs?

Yes. Sellers can contribute up to 6% toward your closing costs.

Why Choose First Source for Your FHA Loan?

We’ve helped thousands of Members become homeowners, with:

Local Insight

Decisions made by people who understand the local market—and your goals.
Clear, Supportive Process

No pressure. No confusion. Just honest guidance from start to finish.
Smart Planning Tools

From calculators to pre-approvals, we give you the tools to plan and purchase with confidence.

We simplify the home buying process—so you can focus on the excitement of finding your home.

FHA loan paperwork and home financing materials

Live Smarter

Looking for a more affordable path to homeownership? Let’s make it happen—together.

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Interested In Learning More?

To see what other types of mortgages we have available, along with our specialized mortgage programs, visit our Mortgage overview page.

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Membership eligibility required.