FHA Loans
FHA loans built for first-time buyers.
FHA loans are insured by the Federal Housing Administration and are designed to help first-time and credit-challenged buyers become homeowners. With down payments as low as 3.5% and flexible underwriting, FHA is one of the most powerful tools in our toolbox.
What it is
The basics of FHA Loans.
FHA loans are insured by the Federal Housing Administration and are designed to help first-time and credit-challenged buyers become homeowners. With down payments as low as 3.5% and flexible underwriting, FHA is one of the most powerful tools in our toolbox.
Rate snapshot
Rates change daily and depend on credit, loan size, property, and program. For a real quote tailored to you:
Call (732) 754-7474Or get a personalized quote in our 60-second form below.
Who it's for
Built for borrowers like these.
First-time homebuyers
Buyers with credit scores 580–660
Buyers rebuilding credit
Buyers with limited savings
How it works
From application to keys.
- 1
Pre-qualification + FHA-specific eligibility check
- 2
Down payment as low as 3.5%
- 3
Full application + appraisal (FHA-approved appraiser)
- 4
Underwriting through HUD guidelines
- 5
Close in as little as 30 days
Video
Watch: quick answers from our team.
The views expressed are the opinions of the speakers and are for general informational purposes only. They should not be construed as legal, tax or financial advice. Rates, terms and examples shown are for illustration only, are subject to change, and are not a commitment to lend. Subject to credit approval and underwriting.
FAQ
Frequently asked.
Disclosures
For information purposes only. This is not a commitment to lend or extend credit. Loan approval, rates, and terms are subject to credit qualification, collateral evaluation, and other underwriting requirements. Program availability varies by state. AMS Mortgage Services, Inc. NMLS #20843. Equal Housing Opportunity.