My Community Mortgage: Not affiliated with or endorsed by the Federal Housing Administration or any government agency. NMLS #2408499
As Little as 3.5% Down — Even With a Few Bumps in Your Credit
Not sure if your credit or down payment savings are enough? Most buyers assume they need more than they do. Answer a few quick questions and see exactly where you stand — no paperwork chasing required.
Is FHA Right for You?
Unlike some low-down-payment programs, FHA doesn't require first-time buyer status — here's who it tends to fit best.
First-Time Buyers
Low down payment and flexible guidelines make FHA a common starting point.
Rebuilding Credit
Scores as low as 580 (or 500 with 10% down) are often still workable.
Limited Down Payment Savings
3.5% down goes a lot further than most buyers expect.
Move-Up Buyers Too
Not restricted to first-time buyers — already own a home? You may still qualify.
How It Works
From a few quick questions to a personalized answer — here's the whole process.
Answer a few questions
About your finances, the property, and your goals — takes a couple minutes.
Get your personalized result
See what you likely qualify for immediately, before sharing any contact info.
We check the full picture
Credit, income, and program fit — including options beyond FHA if they fit better.
Talk to a loan officer
Get a real rate quote and a clear next step — no pressure, no obligation.
Ready to See Where You Stand?
It takes less time than reading this page — and you'll see your results before we ask for any contact info.
