Roxford Holdings Inc
Residential Financing

FHA LoansSolutions

Government-backed loans with 3.5% down payment

Federal Housing Administration loans with low down payments and flexible credit requirements, perfect for first-time homebuyers and those with limited savings.

4.9/5 from satisfied borrowers

Down Payment

3.5%

Terms

15-30 years

Timeline

30-45 days

Rates

Competitive government rates

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3.5% Down

Key Features

As low as 3.5% down payment
Credit scores as low as 580
Flexible debt-to-income ratios
Assumable loans
Streamline refinancing available

Benefits

Lower down payment requirements
More lenient credit guidelines
Competitive interest rates
Government backing provides security
Available for primary residences

Requirements

Primary residence only

Property must meet FHA standards

Mortgage insurance required

Debt-to-income ratio typically under 57%

Steady employment history

Frequently Asked Questions

What is the minimum down payment for an FHA loan?

FHA loans require a minimum down payment of 3.5% for borrowers with credit scores of 580 or higher. Those with credit scores between 500-579 may qualify with a 10% down payment.

Can I use an FHA loan for investment properties?

No, FHA loans are only available for primary residences. You must live in the property as your main home for at least one year after purchase.

Related Loan Programs

Conventional Loans
Traditional loans with flexible terms and competitive rates
VA Loans
Zero down payment loans for veterans and military
USDA Rural Loans
Zero down loans for eligible rural properties

Ready to Get Started with FHA Loans?

Get personalized rate quotes and expert guidance for your fha loans needs.

Call (888) 466-5422Get Rate Quote

What Our Clients Say

Don't just take our word for it. Here's what our clients have to say about their experience working with Roxford Holdings.

"They explained to us in very detailed step by step information for first time house buyers."

Jessica A.

Jessica A.

First Time Home Buyer

Roxford Holdings Inc

"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."

Rigo D.

Rigo D.

First Time Home Buyer

Roxford Holdings Inc

"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"

Araceli M.

Araceli M.

Mortgage Refinance Client

Roxford Holdings Inc