FHA
3.5% down, forgiving on credit, and a favorite first step into the East Valley.
FHA loans are insured by the Federal Housing Administration, which lets lenders approve buyers with smaller down payments and less-than-perfect credit. It's the program that gets a lot of Arizona and Utah families into their first home.
FHA pairs well with down payment assistance — in many cases the combination gets buyers to the closing table with very little cash out of pocket.
Three steps, start to keys.
Quick check
We confirm you fit FHA guidelines and whether a DPA program can cover your down payment.
Pre-approval
Verified income, assets, and credit — the letter that wins offers.
Close & plan
We close, then set a date to look at refinancing into conventional once your equity and credit allow.
Is FHA only for first-time buyers?
No — anyone can use FHA for a primary residence.
What about mortgage insurance?
FHA has an upfront premium and a monthly one that usually lasts the life of the loan. Our plan is often to refinance out of it later.
Are there loan limits?
Yes, and they vary by county. Maricopa and Pinal counties have their own limits; we'll confirm yours on the call.