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Low Down Payment with an FHA Loan

Pioneer simplifies the FHA mortgage process with expert advice and decision-making tools like our FHA Loan Qualifier.

Do You Qualify for an FHA Loan?

For those with less-than-perfect credit who cannot afford the standard 5% down payment, the Federal Housing Authority (FHA) offers mortgages requiring only a 3.5% down payment and allows lower credit requirements.

FHA Home Loans

The Federal Housing Authority guarantees FHA mortgages (FHA). FHA-approved loans are designed to reduce the lender’s risk if the borrower fails to pay the mortgage. HUD created the program in response to the wave of foreclosures and defaults during the Great Depression in the 1930s. The government sought to stabilize the housing market with accessible and affordable credit by providing insurance to mortgage lenders.

FHA loans may be the best option for buyers wary of renting, buying their first home, having less-than-perfect credit, or requiring a lower down payment. You can borrow up to 96.5 percent of the total amount.

FHA Mortgage Features and Options

We make it easy with these simple steps:

Use our Easy FHA Mortgage Qualifier

Receive customized options

Compare mortgage interest rates and terms

Take advantage of the best offer

Get a Quote for an FHA Loan Now