Own your home with 3.5% down.
FHA loans make buying easier with a low down payment and flexible credit rules. They're a great fit if you're rebuilding credit or carrying some debt. I'll show you if it's your best option.
Why buyers choose FHA
FHA is built to help more people buy. Here's what makes it work.
Just 3.5% down
With a 580 credit score or higher, you can buy with 3.5% down. That money can even be a gift from family.
Room for credit bumps
A lower score or a few past late payments don't automatically rule you out. FHA looks at the full picture.
More room for debt
FHA often allows more debt than conventional. That helps if you have car or student loan payments.
How it works, start to finish
Three steps, one person guiding you the whole way. That's me.
Get pre-approved
I review your income, credit, and savings, so you know your real budget before you shop.
Find your home
With the home and the loan under one roof, your offer is stronger and nothing falls through the cracks.
Close with confidence
I keep the loan and the purchase moving together, all the way to the keys.
Smart ways to lower your payment
The rate isn't the whole story. These are the tools I use to make the numbers work.
Rate buydown
Pay a little up front, or have the seller pay it, to lower your rate. It can last the life of the loan or just the first few years.
Seller credits
With FHA, the seller can pay up to 6% of the price toward your closing costs. That's more than most conventional loans allow.
Down payment help
Some California assistance programs pair with FHA to help cover your down payment. I'll check which ones you qualify for.
Compare your options
A quick side by side of the three most popular loans, so you can see what fits.
| Minimum down | Mortgage insurance | Credit score | Best for | |
|---|---|---|---|---|
| Conventional | 3% for first-time buyers, 5% for others | Needed under 20% down. It goes away as you build equity. | Usually 620+ | Buyers with solid credit who want PMI to go away. |
| FHA | 3.5% | Monthly premium, usually for the life of the loan with under 10% down. | 580+ with 3.5% down | Buyers rebuilding credit or with higher debt. |
| VA | 0% | None. There's a one-time funding fee, waived for many disabled veterans. | No VA minimum. Lenders set their own. | Veterans, active duty, and eligible spouses. |
Not sure what you can afford?
Start with one quick application. I'll review it myself and walk you through your numbers, no pressure and no cost.
Get pre-approvedFrequently asked questions
The honest answers I give my own clients.
Popular tools and free resources
Dig in on your own time. These are the ones clients reach for most.
Mortgage calculator
Estimate your monthly payment in a few clicks.
Run the numbersHomebuyer guide
Every step of buying a home, laid out simply.
Get the guideRate updates
Where mortgage rates are and what it means for you.
See ratesClient reviews
Hear from clients I've guided through the home and the loan.
Read reviewsLet's see if FHA is right for you
You don't need a whole team of strangers to figure this out. You just need the right person guiding you. That's what I'm here for.