Low 3.5% down and flexible credit guidelines.
FHA loans are government-insured mortgages backed by the Federal Housing Administration, designed to help buyers who have smaller down payments or more limited credit history qualify for financing. Minimum down payments can be as low as 3.5% for eligible borrowers, and because the loan is insured by FHA, lenders can be more flexible with credit scores and debt-to-income ratios than many conventional programs. FHA loans require mortgage insurance premiums, but they often keep upfront cash requirements lower than other options.
No SSN required · Zero impact to credit · Never sold
FHA is often a practical route for borrowers whose credit history would make other programs harder to access.
The 3.5% down structure can make homeownership possible sooner without waiting years to save a larger down payment.
Borrowers coming back from credit setbacks often use FHA as their cleanest path back into the market.
Tap the button and answer a few quick questions, no SSN needed.
Aaron's team finds the sharpest program for your scenario.
Review and lock the rate and structure that fits your goals.
Clear communication every step until you have the keys.
FHA is popular with first-time buyers and borrowers who want a more forgiving credit and down payment profile.
No. FHA is built to be more flexible than many conventional programs, and many borrowers qualify starting around a 580 score.
Yes. Depending on eligibility, FHA can be used for single-family homes, condos, townhomes, and some multi-family properties.
Schedule a call with Aaron Ehresmann, Loan Originator at West Capital Lending. He'll review your scenario, walk through your options, and map out the cleanest path forward, no pressure.