Buying your first home does not have to be complicated if you have the right lending partner. We have an experienced team of lending specialists to help you navigate through. We offer a wide range of loan products to choose from. Because FHA loans are insured by the Federal Housing Administration (FHA), it’s easier to qualify for them. That makes them attractive to first-time buyers, borrowers with low to moderate incomes, and buyers with lower credit scores or higher debt-to-income ratios. FHA loans also tend to have lower down payments (as low as 3.5%), lower monthly insurance premiums, and often lower closing costs.