Make homeownership possible with an FHA loan.
An FHA loan is built to meet you where you are. With lower down payments, flexible credit guidelines, and help with closing costs, an FHA loan makes homeownership clearer and closer than you may think.
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Why so many buyers turn to an FHA Loan
Start with 3.5% down
The 20 percent down myth holds buyers back. An FHA loan allows as little as 3.5 percent down so you can buy sooner, keep cash on hand, and start building equity.
Credit that sees the whole story
Perfect credit is not required. An FHA loan looks beyond the score to your income and payment history, giving you a real path forward even if your credit is not perfect.
Use gift funds and assistance
You do not have to do this alone. An FHA loan allows gifts, assistance, and seller credits to lower your cash to close and move your new beginning closer.
Our Rates For You
FHA 30 Year Purchase
FHA 15 Year Purchase
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
How Oxford’s FHA loans compare to banks and online lenders.
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You want speed, clarity, and a real plan. Oxford offers same day FHA loan pre approval, transparent pricing, and personal guidance from first click to keys with no guessing or delays.
FHA loans make homeownership possible sooner.
You have compared the options. If lower cash to close and flexible credit requirements would unlock your move, an FHA Loan may be your fastest path forward. Here is how it helps and what to expect next.
Start with 3.5 percent down.
Through an FHA loan, keep cash for moving and repairs while building equity sooner.
Credit that sees your story.
A thin history or past bumps do not have to stop you. An FHA loan focuses on steady income and responsible habits, not a single moment.
Real help with cash to close.
An FHA loan allows gift funds, assistance programs, and seller credits to lower what you bring to closing.
Human guidance, every step.
Clear answers, simple checklists, and quick updates so you never wonder what comes next.
Soft-pull pre-approval
See what you qualify for in minutes with no score impact. Get a shareable letter you can send to your agent.
Pick the payment you can live with
Compare FHA loan terms, down payment options, and monthly costs side by side. Choose the plan that fits your life.
Shop and make confident offers
Tour homes inside your range. We refresh your letter as you go so sellers see real proof fast.
Underwriting, appraisal, and conditions
Upload from your phone, follow a simple checklist, and get quick status updates. No surprises.
Clear to close and keys
Sign online where possible, meet at closing, and walk into your first home with a plan you trust.
Your FHA loan path from today to keys
Real people. Real challenges. Real mortgage success.
See What You Could Afford With an FHA Loan
An FHA loan makes homeownership more accessible with lower down payments and flexible guidelines. This calculator helps you explore comfortable monthly payments and home price ranges so you can plan your next step with clarity, not guesswork.
What if answers changed everything you feared?
Still unsure? Talk to someone who hears you, not a script.
An FHA Loan is a government backed mortgage that makes homeownership more accessible. It works by lowering the barriers to entry with smaller down payments, flexible credit guidelines, and options to help with closing costs. Lenders review your income, credit, and the property to confirm it meets FHA mortgage standards before approval.
Most buyers qualify for an FHA Loan with as little as 3.5 percent down. This lets you keep more cash available for moving, repairs, or savings while you begin building equity sooner. Some programs even provide down payment help to reduce the upfront amount further.
Yes. An FHA Loan does not require a flawless credit score. Many buyers qualify with scores lower than what conventional loans demand. Lenders consider steady income, on time rent, and responsible financial habits to see the bigger picture behind the number.
An FHA Loan allows buyers to use verified family gifts, assistance programs, and seller credits to reduce cash to close. These flexible options make upfront costs lower and strengthen your offer when you are ready to buy.
With digital tools and dedicated guidance, many buyers close on an FHA Loan in as little as 14 days once documents and appraisals are complete. This is often faster and clearer than traditional bank processes.
An FHA Loan provides more flexibility with credit and down payment requirements, while a conventional loan may suit buyers with higher scores and larger savings. The right choice depends on your financial goals, budget, and comfort level with monthly payments.
An FHA Loan is open to first time and repeat buyers who meet income, credit, and property guidelines. It is designed for buyers who may not qualify for a conventional loan but show stable income and responsible financial history.
Yes. Every FHA Loan includes mortgage insurance, which protects the lender and keeps FHA mortgages available to more buyers. This cost is built into your payment, but it often balances out with the lower down payment and easier credit requirements.
Yes. An FHA Loan can be refinanced through programs like the FHA streamline refinance. This option helps homeowners lower their rate, reduce monthly payments, or move to a shorter loan term with minimal paperwork.
An FHA Loan can be used to buy single family homes, certain condos, and small multi unit properties as long as they meet FHA appraisal and safety standards. Vacation homes and investment properties are not eligible.
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
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Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply.
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Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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