Government-backed financing designed to open doors for first-time buyers and borrowers with less-than-perfect credit in all six states we serve.
Today's FHA Rates — July 14, 2026
FHA 30-Yr Fixed
5.490%
APR 5.590%
FHA Streamline
5.490%
APR 5.590%
Rates subject to change. See Rate Assumptions
FHA financing opens doors for buyers who are locked out of conventional programs due to credit or down payment constraints.
FHA allows buyers with credit scores as low as 580 to qualify with 3.5% down. Scores between 500–579 may qualify with 10% down. We work with all credit profiles.
One of the lowest down payment requirements available for a government-backed loan. This makes FHA the go-to choice for buyers who have not yet saved a large down payment.
Your entire 3.5% down payment can come from a gift from a family member, employer, or approved grant program — no personal savings required for the down payment.
FHA loans are insured by the Federal Housing Administration, which reduces lender risk and enables broader access to homeownership for creditworthy borrowers.
FHA note rates are often lower than conventional alternatives at similar credit levels. The government guarantee lets us price more aggressively for higher-risk profiles.
FHA allows debt-to-income ratios up to 57% in some cases — significantly more flexible than conventional guidelines, helping buyers with student loans or other obligations.
Our FHA specialists handle the complexity so you can focus on finding your home.
Pull a free credit report and verify your score. FHA requires 580+ for 3.5% down. We can advise on quick score improvements if needed.
Submit income, asset, and employment documents for a fully underwritten pre-approval. We typically turn these around in 24–48 hours.
Shop with confidence. Your pre-approval shows sellers you are a serious, qualified buyer. FHA appraisals confirm the home meets HUD safety standards.
Our team manages the FHA appraisal, underwriting, and title process to deliver a smooth, on-time closing across all six states we serve.
Ready to get started? Talk to a licensed loan officer today — no obligation, no pressure.
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FHA loans have helped millions of Americans become homeowners since 1934. Backed by the Federal Housing Administration, these loans allow buyers with 580+ credit scores and as little as 3.5% down to purchase a primary residence. Freedomstar Financial originates FHA purchase and refinance loans across California, Colorado, Virginia, Georgia, Florida, and Texas, and our loan officers know how to layer state and local down payment assistance programs on top of FHA to minimize out-of-pocket costs for qualifying buyers.
FHA loans in California are especially useful in high-cost coastal markets where buyers need maximum purchasing power. High-cost FHA limits of up to $1,149,825 make FHA viable in Los Angeles, San Diego, San Francisco, and the Bay Area — rare for a low-down-payment program.
Colorado's robust job market and high median home prices make FHA a smart choice for first-time buyers in Denver, Aurora, Fort Collins, and Colorado Springs. Local down payment assistance programs from CHFA pair well with FHA financing.
Virginia FHA loan limits accommodate buyers in the Northern Virginia corridor (Arlington, Alexandria, Fairfax) where home prices are elevated. VHDA programs can layer additional assistance on top of FHA for qualifying buyers.
Georgia's Georgia Dream Homeownership Program pairs with FHA loans to provide down payment assistance to qualifying buyers in Atlanta, Savannah, Augusta, and beyond. Relatively affordable home prices make FHA a powerful tool for Georgia first-time buyers.
Florida Housing's homebuyer programs can be combined with FHA loans to reduce out-of-pocket costs in Miami, Orlando, Tampa, and Jacksonville. FHA is especially popular in Florida among buyers with past credit events like short sales or foreclosures.
Texas FHA loans serve first-time and repeat buyers in Houston, Dallas, Fort Worth, San Antonio, and Austin. The Texas State Affordable Housing Corporation (TSAHC) offers grant-based DPA that can be stacked with FHA to reduce upfront costs significantly.
All rates are subject to change without notice. Rates shown are for illustrative purposes only and are based on a 740+ FICO score, primary residence, single-family home, and a 30-day rate lock. FHA loans require mortgage insurance premiums (MIP). FHA loan limits vary by county. Freedomstar Financial is not affiliated with or endorsed by HUD or the FHA. NMLS #1439059.
