FHA Loans

The home you want, the flexibility you need.

San Diego FHA Loans

Lower income borrowers can still afford to buy homes with the Federal Housing Administration’s help. FHA loans are government-backed mortgages intended to minimize barriers to homeownership. With an FHA loan, lower income borrowers have more flexible requirements than many other types of home loans.

About FHA Loans

  • 01. Who It's For
  • 02. Benefits
  • 03. Eligibility

Is a San Diego FHA Loan Right for You?

Worried about a low credit score or not affording a large down payment? An FHA loan might be right for you. With less strict requirements, you may be able to qualify more easily.

Benefits of an FHA Loan

Become a Homeowner

An FHA loan could turn your homeownership dreams into reality even with low income.

Low Down Payment

Did you know that you only need a deposit of 3.5% to qualify for an FHA loan? A large down payment shouldn’t be a barrier to homeownership.

Get Past Thin Credit

When it comes to your credit score, there are many factors that affect it. It’s entirely possible to get an FHA loan with a low credit score or poor credit history.

Flexible Qualification

Requirements for an FHA loan are more relaxed compared to other loans. Get a chance to start over after a financial setback, and still qualify for financing.

San Diego FHA Loan Eligibility Requirements

  • Credit score higher than 500
  • Ability to cover 3.5% down payment
  • Reasonable debt-to-income ratio
  • Home must be the borrower’s primary residence


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Elizabeth D.

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