FHA Loans

FHA Loans

FHA Loans Your Gateway to Homeownership

What Are FHA Loans?

Quick Qualification Check

FHA Loan Requirements

Credit Score

Debt Ratios

Down Payment

2026 FHA Loan Limits

Most Areas

High-Cost Areas

Alaska, Hawaii, Guam & USVI

FHA Loan Benefits

Frequently Asked Questions

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Check Your FHA Eligibility

LOAN PROGRAMS

Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers.

FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments, flexible credit requirements, and are especially beneficial for first-time homebuyers.

Get personalized FHA loan options with no impact to your credit score.

FHA loans have more flexible requirements than conventional loans, making homeownership accessible to more people.

*Subject to AUS Approval

Down payment can come entirely from gift funds from family members.

FHA loan limits vary by area. Here are the current 2026 FHA loan limits by area type.

See how FHA loans compare to conventional mortgages and why they might be the perfect choice for your homebuying journey.

Get answers to the most common questions about FHA loans

Let us help you navigate the FHA loan process and find the perfect home financing solution.

This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Department of Real Estate, Broker # 01821025; NMLS# 135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of CA.

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