The Federal Housing Administration (FHA) insures all FHA loans that are issued by FHA approved lenders, which enables borrowers to qualify with lower credit scores and a lower down payment amount. FHA loans are designed to assist low to moderate income borrowers and increase home ownership across the US. Many first time homebuyers choose FHA because of the low up front costs, borrowers can put as low as 3.5% down on a new home, financing 96.5% of the home value. Apply via the form below to shop your loan to over 100 FHA Approved Lenders & get the best rates possible!