Low down payment
Qualified buyers can put down as little as 3.5% of the purchase price.
Residential · Government-insured
FHA Loans in California
Available in California
A low down payment, flexible credit requirements, and room for buyers who don't fit the conventional mold. FHA loans, insured by the Federal Housing Administration, are one of the most accessible paths to homeownership — especially for first-time buyers.
Who FHA loans are for
FHA loans are a strong fit for first-time buyers, borrowers with limited savings for a down payment, and those rebuilding after a credit setback. They're not limited to first-time buyers — anyone who meets the guidelines can use one for an owner-occupied home.
Why buyers choose FHA
Flexible credit
FHA guidelines are more forgiving than conventional loans, opening the door for lower or rebuilding credit.
Gift funds allowed
Your down payment can come from a gift from family, making the path to a home more reachable.
What to know about mortgage insurance
FHA loans include a mortgage insurance premium (MIP) — both an upfront amount and an annual premium paid monthly. It's part of what makes the low down payment possible. When your equity and profile support it, refinancing into a conventional loan later can remove mortgage insurance. We'll help you plan for that from the start.
Find out if FHA is your best move
Tell us your scenario and we'll compare FHA against your other options so you choose the loan that actually costs you the least over time.