FHA Home Loans – Flexible, Affordable Financing for First-Time Buyers & Refinancers

Explore FHA loans with low down payment options and easy credit qualifications. Perfect for first-time buyers and homeowners looking to refinance with less hassle. 

Are you a first-time homebuyer or looking for a flexible refinance option? FHA loans—insured by the Federal Housing Administration—are designed to make homeownership more accessible. With lower credit score requirements, minimal down payments, and competitive interest rates, FHA loans are one of the most popular mortgage options in the country.

At Zion Investors Mortgage Lending, we simplify the FHA loan process from start to finish—so you can move forward with confidence.

• Only 3.5% down payment (with a 580+ credit score)
   
• Flexible credit requirements
   
• Lower closing costs and fees
   
• Available for purchase or refinance
   
• Backed by the federal government for added security

You may qualify if you:

• Have a credit score of 580 or higher
   
• Can show steady income and employment
   
• Are purchasing a primary residence
   
• Have a debt-to-income ratio below 43%
   
• Are refinancing an existing FHA loan through the Streamline Refinance option