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FHA loans from your sofa with just 3.5% down

Apply in less than 10 minutes
Lower rates and credit scores
Pre-approvals you can count on
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Why go with us?

Lower down payments and lower rates — so you can plan that mega housewarming

Effortless application

Effortless application

Our smart application adjusts to you and asks fewer questions — so you’re done in less than 10 minutes.

Pre-approval you can count on

Our pre-approvals are more reliable than typical pre-approvals. They’re 95% likely to close* — so you’re truly ready to purchase.*

Put less down

Forget the standard 20% down. With FHA, it’s just 3.5% for FICOs of 580 or more. Hello home ownership!

Fast, stress-free closing

Your Loan Guide and Beeline Tracker make sure there’s less back and forth and you’re always in the loop.

*Not all products and options are available In all states. Terms are subject to change without notice. Pre-approval will depend by individual situation.

Watch the shortest path to your home loan

If applying in 10 minutes sounds too good to be true, watch it unfold in this quick video.

Reviews

Lender love letters

Dream team!

Chelsea and Jamie were a dream team- who made the process easy. Any time I didn’t understand something a quick email, text, or call and I would have an answer. This is my second time working with Chelsea and I want to keep her, and now Jamie, as my go to team for purchasing or refinancing investment properties. Thanks!

DeidraColumbia, SC

Great experience

Great experience throughout the loan process.

JulieAkron, OH

10 stars!

I have used their service twice. If I could provide 10 stars, I would! Both experiences have been great!

MikalMontgomery, AL
FHA for the win

The upsides of ownership and cheaper mortgage insurance make FHA a good choice

  • Down payment from 3.5%
  • Credit score from 580
  • Mortgage insurance required
  • For primary residences
  • There’s a lot to love about FHA loans...
  • Firstly, rates are usually lower so that’s nice.
  • Then in 2023, mortgage insurance rates went down — so FHA may work out to be cheaper than a conventional loan.
  • Down payment starts at 3.5% and lower credit scores get a look in too.
  • And how about this — if you’ve had the loan more than 210 days since your first payment and rates drop, you can refi without an income check or appraisal.
The upsides of ownership and cheaper mortgage insurance make FHA a good choice
Not sure?

Chat to a Loan Guide about the shortest path to your FHA loan

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