Discover Your
Area's Loan Limits
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Understanding FHA Loans & Limits
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. This program was created to help more Americans achieve homeownership by offering:
- Down payments as low as 3.5% with a credit score of 580+
- Down payments of 10% with credit scores between 500-579
- More flexible credit requirements than conventional loans
- Lower closing costs
- Competitive interest rates
First-Time Buyer Friendly
- Easier qualification requirements
- Lower upfront costs
- Gift funds allowed for down payment
Credit Flexibility
- Options for borrowers with lower credit scores
- More forgiving of past credit issues
- Manual underwriting available for special cases
Property Requirements
- Must be your primary residence
- Property must meet FHA safety standards
- Available for single-family homes, condos, and multi-unit properties
These limits set the maximum loan amount the FHA will insure in your area.
The FHA has a standard limit for single-family homes.
Multi-family properties have higher limits.
Exceeding Conforming Limits?
Don't let higher home prices stop your dreams.
If your desired home exceeds the conforming loan limit, we have solutions:
- Jumbo loans available for higher-value properties
- Competitive rates even for larger loans
- Expert guidance through the process
Need More Information?
Every homebuyer's situation is unique.
Our experienced loan officers can help you:
- Determine if an FHA loan is right for you
- Calculate your exact loan limits
- Explore alternative loan options
- Guide you through the application process