FHA loans have been helping people become homeowners since 1934.  What is an FHA loan? It is a loan backed by the Federal Housing Administration, and they typically require lower down payments, closing costs and are easy credit qualifying.


When applying for any home loan, your credit history and financial situation will be factors in determining your eligibility to qualify for a loan, however, FHA loans provide options for borrowers who may have lower credit scores and smaller down payments saved.



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  • Low down payments (As little as 3.5% down)
  • Low closing costs
  • Easy credit qualifying


LOAN Types:

  • First-Time Homebuyer
  • Purchase
  • Refinance
  • Renovation


See loan product disclaimer


  • Primary Only


Property Types:

  • New or existing residential property
  • Attached or detached structures
  • Condos
  • Planned Unit Developments (PUDs)
  • Modular homes
  • 1-4 unit properties
  • Manufactured homes



FHA might be just what you need.  Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan.  Available on 1-4 unit properties.

FHA loans allow you to buy a home, fix it up, and include all the costs in one loan.  Or, if you own a home that you want to re-model or repair, you can refinance what you owe and add the cost of repairs – all in one loan. Check out our FHA 203(k) Standard and Limited Products for more information.

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Are you 62 or older?  Do you live in your home?  Do you own it outright or have a low loan balance?  If you can answer “yes” to all of these questions, then the FHA Reverse Mortgage might be right for you.  It lets you convert a portion of your equity into cash. Visit our Reverse page for more information.

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You can include the costs of energy improvements into an FHA Energy-Efficient Mortgage.

Yes, some FHA loans can be used for mobile homes and factory-built housing.  There are two loan products – one for those who own the land that the home is on and another for mobile homes that are – or will be – located in mobile home parks.


What Our Customers Are Saying


What Our Customers Are Saying


Everyone we came across at the company made our process a lot less stressful. They answered all our questions and made sure we handed everything that needed to be handed in on time. Thanks!

Paul K. / Homebuyer, NJ

We highly recommend Family First as they are an amazing team, efficient, honest and always available! Not only would I recommend Family First to my clients, I do use them for our family's mortgage needs!

Lisa C. / Real Estate Agent, FL

Great service, very professional. Highly recommended!

Christofer V. / Homebuyer, TX

Expertise, open communication at all times, and complete confidence knowing that my Buyer was wonderfully serviced and their loan would close!

Laure M. / Real Estate Agent, NJ

It was a smooth process from start to finish and I appreciate the time each of them took to answer any questions I may have had with respect to the process, the paperwork, etc. They were all incredibly kind, helpful, and responsive no matter how small the question may have been, and as a first time homebuyer I am very grateful for that.

Jessica S. / Homebuyer, NJ
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