FHA Home Loans
Discover our FHA loan options—an ideal choice for first-time buyers. This government-backed loan offers lenient borrower requirements, low down payment options, attractive rates, and greater credit score flexibility. Your pathway to affordable homeownership starts here.
First-Time Buyer? FHA Delivers.
Why Choose an FHA Home Loan?
FHA loans are the perfect choice for first-time buyers who may not qualify for conventional loans. Enjoy homeownership with just 3.5% down, flexible credit scores, competitive rates, and multi-unit property approval.
Is FHA Right For You?
FHA mortgages were created to eliminate unnecessary barriers between you and your homeownership dreams. They are designed for:
FHA Loan Benefits
Eligibility Requirements
Wondering if FHA loans are right for you? Explore loan eligibility requirements:
Credit Score: FHA home buyer programs typically require a minimum credit score of 500-580. Lower scores may be eligible with a 10% down payment.
Down Payment: Your financial situation and loan amount could allow for a minimal 3.5% down payment on an FHA loan.
Debt-to-Income Ratio (DTI): Your monthly financial debts should not exceed 43% of your monthly income.
Qualifying Property: To ensure your home meets FHA standards, your property must be appraised by an FHA-approved appraiser.
Getting Started: From Application to Approval
Wondering what to expect when you apply? It all begins with a straightforward application, where we collect details about your income, employment history, and existing debts. Next, we assess this information to evaluate your financial stability and creditworthiness. From here, you’ll be asked to provide additional documentation, such as pay stubs and tax returns.
Rest assured, we're here to assist you at every step, keeping everything seamless, transparent, and stress-free.
Master Your FHA Mortgage: Mortgage Payment Calculator
In addition to jump-starting your FHA loan application with our checklist, you can take another step forward by using our free mortgage payment calculator. This user-friendly tool considers your loan amount, interest rate, and loan term, making it easier to plan your finances and make informed decisions for your home purchase.
Our Team
Meet the dedicated professionals who will guide you to the doorstep of your dream home. Our team seamlessly blends industry knowledge with personalized customer service to ensure a smooth and supportive homebuying experience. With us, you are more than just a client—you're a valued family member.
Here’s Why We Do What We Do
I had a great overall experience with Eagle Home Financial. They were extremely knowledgeable and made the entire mortgage process very quick and easy. Any large purchase can be overwhelming but they were there to promptly answer any and all questions. I would highly recommend Eagle Home to any friends or family.
Why Work With Us?
Fast Closing
Complete your mortgage process in as little as three weeks for a faster home-buying experience.
Expertise at Every Step
Receive personalized advice from experienced mortgage experts who understand your needs and treat you like family.
Competitive Rates
Gain access to the most competitive rates in the market while lowering your long-term mortgage expenses.
Explore Our Resources
Looking for simple answers about the mortgage process? Our resources will help. Covering everything from applications to credit requirements, closing costs, and rates, you’ll find clear, easy-to-understand answers to common mortgage questions here.
More Loan Programs
Conventional
Secure your dream home with a conventional loan, offering stability and competitive rates—perfect for traditional homebuyers.
VA
VA loans honor veterans with exclusive benefits, including 100% financing, faster closing times, no private mortgage insurance, and lower interest rates.
USDA
No down payment? No problem. USDA loans offer zero down payment options, lower interest rates, and reduced mortgage insurance for rural buyers.
Jumbo
Step into luxury with our jumbo loans, offering substantial financing and custom-tailored terms for your high-value property.
