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Family home in Los Angeles
FHA Loans

Low down payment.
Flexible credit.
Real opportunity.

FHA loans in Los Angeles with as little as 3.5% down. Government-backed financing with more forgiving guidelines.

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How It Works

What is an FHA loan?

FHA loans are government-backed mortgages insured by the Federal Housing Administration. They’re designed to make homeownership accessible with lower down payments, more flexible credit requirements, and higher debt-to-income ratios than conventional loans.

1
Qualify with as low as 3.5% down
2
More flexible credit and DTI guidelines
3
Close on your LA home
Program Details

FHA loan highlights
for Los Angeles

Down Payment
As Low as 3.5% Down
One of the lowest down payment options available. Gift funds allowed for the full down payment.
  • 3.5% down with 580+ credit
  • Gift funds accepted
  • Down payment assistance programs
  • Seller concessions up to 6%
Flexibility
Flexible Guidelines
FHA is more forgiving than conventional when it comes to credit history and debt ratios.
  • Lower credit scores accepted
  • Higher DTI thresholds
  • Up to $1.2M loan amount in LA
  • Upfront + monthly mortgage insurance
Who It’s For

FHA is ideal for
Los Angeles buyers who…

First-Time Buyers
Getting into the LA market with limited savings. FHA’s low down payment makes it possible.
Rebuilding Credit
Past credit events don’t have to hold you back. FHA is more forgiving than conventional.
Higher DTI
Carrying more debt relative to income? FHA’s higher DTI thresholds may still get you approved.
Get Started

See if FHA works
for your situation

Text Derek your credit range, target home price, and savings — he’ll tell you if FHA is your best option or if another program fits better.

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