FHA Loans Are Available
A government-insured mortgage designed to make homeownership more accessible with a lower down payment.
Why an FHA Loan?
FHA loans are insured by the Federal Housing Administration. That insurance lets approved lenders accept lower down payments and more flexible credit than many conventional programs. Typical FHA purchases allow as little as 3.5% down with qualifying credit. Mortgage insurance is required and should be factored into the payment.
About FHA Home Loans
The FHA program was created to keep mortgage credit available after the housing collapse of the 1930s. Today it remains a primary path for first-time buyers and borrowers with modest down payments.
FHA loans are for primary residences (with limited exception). Property must meet FHA minimum standards. We’ll check occupancy, credit, DTI, and property type before recommending FHA vs. conventional.
If the home needs repairs, an FHA 203(k) may be a better fit than a standard FHA 203(b).
The FHA Loan Process
Here’s how the process works with Primal Lending.
- 01
Complete our simple qualifier so we understand your goals, timeline, and credit profile.
- 02
Receive options based on your unique scenario — program, term, occupancy, and property type.
- 03
Choose the offer that best fits your payment, down payment, and long-term plans.
- 04
We coordinate processing, appraisal, and closing so you can move with confidence.