FHA Home Loans
FHA loans are a popular option for buyers in Oceanside, North County San Diego, Riverside County, San Bernardino County, and Metro Atlanta who want a low down payment and flexible credit guidelines.
This page explains how FHA loans work, who they fit, and how they compare to other options on the Home Purchase Loans and Loan Comparison Guide pages.
What Is an FHA Loan?
An FHA loan is a mortgage insured by the Federal Housing Administration. It’s designed to help buyers who may not qualify for traditional Conventional loans.
- Minimum down payment as low as 3.5% (for eligible borrowers)
- More flexible credit score requirements compared to many Conventional loans
- Allows gift funds for down payment and closing costs
- Can often be combined with Down Payment Assistance
Who Is an FHA Loan Best For?
FHA may be a strong fit if you:
- Have limited savings for a down payment
- Are rebuilding or establishing credit
- Want more flexibility with debt-to-income ratios
- Plan to live in the property as your primary residence
FHA vs. Conventional vs. VA
FHA is one option among several. You might also consider:
- Conventional Loans – often better for buyers with stronger credit and higher down payments.
- VA Home Loans – 0% down for eligible military members and veterans.
To see how FHA compares side-by-side, visit the Loan Comparison Guide.
Where We Use FHA Loans Most Often
As a broker in California and Georgia, FHA loans are very common for first-time and repeat buyers in:
- California: Inland Empire (Riverside & San Bernardino), Oceanside, and other North County San Diego cities
- Georgia: Metro Atlanta suburbs with strong entry-level inventory
Next Steps: See If FHA Fits Your Scenario
We’ll review your credit, income, and savings to see if FHA is the best match, or if a Conventional, VA, or other program might be stronger.