FHA Home Loans

Make your homeownership dreams come true.

What is an FHA Loan?

An FHA loan is a mortgage loan that’s backed by the Federal Housing Administration (FHA) and is often one of the easiest types of mortgage loans to get. FHA loans have become known as a very attractive option for first-time home buyers and those with less than perfect credit as the requirements are less strict than conventional loans.

Intercap Lending is approved by the Federal Housing Authority to help you get an FHA loan.

Is an FHA Loan right for you?

The FHA program was created to stimulate the housing market by making loans accessible and affordable for people with less than stellar credit or a small down payment. First-time home buyers and low-income families often benefit from FHA loans as they may qualify for a down payment of as little as 3.5% with a minimum credit score of 580. Having a credit score that’s lower than 580 doesn’t necessarily exclude you from FHA loan eligibility; if your credit is between 500 and 579 you may still be eligible with a 10% or greater down payment.

FHA Loan Requirements

A minimum FICO score and adequate down payment are just two of the requirements of FHA loans. To find out if an FHA Loan is the best option for you, contact our team today.

For more information, contact one of our loan origination specialists today.

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