All Loan Programs

Government-Backed

FHA Loans

The most flexible government-backed mortgage program — low down payments, accepting credit scores as low as 580, with no income restrictions. Down payment assistance available to bring your out-of-pocket cost to $0.

580+
Min. Credit Score
3.5%
Min. Down Payment
96.5%
Max LTV
$0
Broker Fees

Program overview

Minimum Credit Score580 (500 with 10% down)
Down Payment3.5% (0% with DPA programs)
Maximum LTVUp to 96.5% (100% with DPA)
DTI LimitUp to 57% with compensating factors
Income RestrictionsNone
Property TypesPrimary residence only
Loan LimitsVary by county in DC, MD & VA
Mortgage InsuranceRequired; removable after 11 yrs (10%+ down)

Down payment assistance

We pair FHA loans with multiple DPA programs to eliminate your down payment entirely. Here are the main options:

TRIO / LINK

  • Min. 620 credit score
  • ~90% approval rate
  • Covers down payment & closing costs
  • Non-occupant co-borrowers allowed

Chenoa Fund

  • Min. 640 credit score
  • Down payment covered
  • National DPA program
  • Forgivable options available

State & Local Programs

  • Maryland Mortgage Program
  • Virginia VHDA programs
  • DC Housing Finance Agency
  • County-specific assistance

See if an FHA loan is right for you.

No cost, no obligation. We'll find the best FHA program for your situation and pair it with the right DPA option.

Response within 24 hours
$0 broker fees
Licensed in DC, MD & VA
20+ years of FHA experience

Get Pre-Approved Free

No cost, no obligation. We respond within hours.

$0 broker fees · NMLS ID 1038683 · DC · MD · VA