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Residential mortgage financing — loan programs, underwriting, refinancing, and compliance.

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A First-Time Homebuyer's Guide to FHA Loans
FHA Loans

A First-Time Homebuyer's Guide to FHA Loans

Understanding down payments, credit requirements, and mortgage insurance

FHA loans remain one of the most accessible paths to homeownership for first-time buyers. This guide covers the essentials: down payment requirements, credit score thresholds, and mortgage insurance considerations.

Ebonie Beaco·Nov 3, 2026· 7 min read

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Browse Mortgage Topics

Conventional LoansFHA LoansVA LoansUSDA LoansJumbo MortgagesFirst-Time Homebuyer LoansDown Payment AssistanceLow Down Payment MortgagesCredit & Mortgage QualificationMortgage PreapprovalsPurchase MortgagesRate-and-Term RefinancingCash-Out RefinancingHELOC LoansHome Equity LoansReverse MortgagesConstruction LoansRenovation LoansBridge LoansPortfolio LoansSecond MortgagesMortgage InsuranceMortgage UnderwritingAutomated Underwriting SystemsMortgage Closing CostsMortgage Rate BuydownsMortgage Credit GuidelinesMortgage Fraud PreventionMortgage ServicingMortgage Compliance