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First-Time & Credit-Building BuyersLow 3.5% down payments, flexible credit guidelines, and gift-friendly funds. FHA loans help more buyers get to the closing table across Oregon, Washington, and Arizona.
Backed by the Federal Housing Administration, FHA loans are designed to make buying possible for people who might not fit a conventional box yet — first-time buyers, those rebuilding credit, or anyone who needs a little more flexibility. It's one of the most accessible ways into a home.
FHA shines for first-time buyers and anyone whose credit is still on the way up. If a conventional loan feels just out of reach today, FHA is often the bridge — and you can refinance to conventional later once your equity and credit grow.
FHA loans include a mortgage insurance premium (MIP) — both an upfront amount and an annual one. It's the trade-off for the low down payment and easier qualifying. Mindy will show you exactly what it adds to your payment so there are no surprises.
FHA is more flexible than conventional financing on credit. Rather than quote a single number, Mindy will look at your whole picture and tell you honestly where you stand and what, if anything, would help.
Yes. FHA allows your 3.5% down payment to come from an eligible gift, such as from a family member, with proper documentation.
FHA loans carry a mortgage insurance premium (MIP): an upfront fee plus an annual amount built into your payment. Depending on your loan, MIP may remain for the life of the loan — a common reason buyers later refinance into conventional.
It comes down to your credit, down payment, and timeline. Mindy will run both so you can compare the real monthly payment and long-term cost side by side.
Get pre-approved, ask a question, or just see what's possible. No pressure — real answers.