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FHA Loan:
3.5% down payment

The most popular loan for first-time Hispanic families. Backed by the federal government, designed to open the door to homeownership with only 3.5% down. Loans up to $524K.

3.5%
hitch
minimum
Open
profile
open
$524K
limit
2026
6%
seller covers
of the closing
03 FHA Loans Backed by the federal government since 1934
Hispanic family celebrating the purchase of their first home with an FHA loan.
FHA Loan - Approved in 24 hours

FHA loan: designed forHispanic families

FHA is not a bank - it's a federal government guarantee. That means lenders accept you with more flexible requirements: less down payment, all types of history accepted, and rules that understand that life isn't always perfect.

3.5% hitch
·
Flexible all types of history
·
50% max. debt ratio
FHA Advantages Family royalty attachment allowed - Flexible employment history - Bankruptcy or foreclosure with reduced waiting period - Refinanceable MIP - Streamline with no income verification
Verify my FHA eligibility

Las Familias Felices
de E&E

Each key is a dream fulfilled. These are families who took the first step.

Calculate yourFHA quota

Quick estimate with 3.5% down payment included.

Estimated monthly fee
0/month
This calculation is merely representative. For an actual calculation of your monthly payment, speak to an advisor.

Prequalify FHA in 3 minutes

No commitment, without affecting your credit. An advisor will contact you in less than 24 hours.

Licensed & Regulated NMLS #817485 / #2675288
In your language All our consultants
Response in 24h Express pre-approval
100% Commitment Until you find your solution

Your FHA loan in 4 steps

Designed to be simple, even if you've never bought a home before.

01

Apply

3 minutes online. No commitment, without affecting your credit.

02

Pre-approval

You receive your FHA pre-approval letter in less than 24 hours.

03

FHA Inspection

The house passes the standard FHA inspection. We guide you through every detail.

04

Closing

You sign with only 3.5% down and receive the keys to your home.

FHA or Conventional Loan?

Compare at a glance and choose the program that best fits your profile.

Feature FHA Conventional
Minimum hooking3.5%from 3.5%.
Credit profileAll types - we help youEstablished profile
Monthly insuranceMandatory IPMNo PMI with ≥20%.
Amount limit$524,225Unlimited
Family royaltiesAllowedLimited
Second homeNoYes
Best forFirst home, all types of historySolid profile, +20% hooking

Indicative data 2026. The exact requirements depend on your profile. Speak to an advisor for a personalized assessment.

Frequently Asked Questions about FHA

We answer the most common questions about FHA loans.

No. Although it is very popular with first-time buyers, you can use FHA even if you have owned a home before, as long as you do not have another active FHA.

MIP (Mortgage Insurance Premium). It is a monthly insurance that protects the lender. It can be eliminated if you refinance to conventional when you have 20% equity.

Yes, FHA works for new and used homes, as long as they pass the standard FHA inspection.

The 2026 FHA limit is $524,225 in most areas. In high-cost counties it may be more.

Your next step

Your FHA loan.
Yournew life.

Free FHA prequalification. Response in 24 hours, at no cost or commitment.

Call now