Low Down Payment
The FHA minimum required investment can be 3.5% of the adjusted property value for qualifying borrowers.
FHA Home Loans
A flexible path toward homeownership.
FHA-insured mortgages can make homeownership more accessible for qualified buyers, including borrowers who may benefit from a lower minimum down payment or more flexible credit qualification than some conventional options.
FHA Purchase LoansGovernment-insured home financing
Compare Your OptionsFHA and Conventional can differ
Missouri & KansasLocal mortgage guidance
Why Consider FHA
FHA financing can make buying a home possible with less cash upfront.
FHA loans are insured by the Federal Housing Administration and offered through approved lenders. The right program depends on your credit profile, available funds, property and overall financial situation.
Credit Flexibility
FHA guidelines can provide another path to qualification, although lender underwriting requirements still apply.
Mortgage Insurance
FHA loans generally include upfront and annual mortgage insurance premiums. Your actual costs depend on the loan.
Property Standards
The property must satisfy applicable FHA appraisal and property-acceptability requirements.
FHA Loan Quote
Tell us about your home purchase.
Complete the form below so Juncture Mortgage can better understand your purchase plans, budget and financing needs before following up about your FHA options.
Start with the basics.
The questions below help us understand your purchase timeline, property plans and basic financing profile.
Not sure FHA is best?
We can help you compare FHA with Conventional financing based on your scenario.
A quote is not a pre-approval.
If you're ready to make an offer, complete the full pre-approval process separately.
FHA Purchase Loan Quote
Request your FHA loan quote
Tell us a little about yourself and the home you are looking to purchase.
FHA Mortgage Insurance
Understand the full monthly payment—not just the interest rate.
FHA financing generally includes mortgage insurance in addition to principal, interest, property taxes and homeowners insurance. Comparing the complete payment and upfront costs can help you decide whether FHA or another loan program better fits your situation.
Mortgage Insurance MattersFHA mortgage insurance can affect both upfront costs and the monthly payment.
Lender Qualification Still AppliesIncome, credit, debts, assets and other underwriting requirements are reviewed by the lender.
Property Requirements MatterFHA appraisal and property-acceptability standards apply to the home being financed.
FHA Loan FAQ
Common questions about FHA purchase loans.
How much down payment does an FHA loan require?
The FHA minimum required investment can be 3.5% for qualifying borrowers. The amount you actually need depends on credit eligibility, purchase details and other costs.
Do FHA loans have mortgage insurance?
Yes. FHA-insured mortgages generally include upfront and annual mortgage insurance premiums. The exact amount and duration depend on applicable FHA requirements and the loan structure.
Is FHA only for first-time homebuyers?
No. FHA financing is not limited to first-time buyers. Eligibility and occupancy requirements still apply.
Does the home need an FHA appraisal?
Yes. FHA financing requires an appraisal, and the property must meet applicable FHA property-acceptability requirements.
Should I choose FHA or Conventional?
That depends on your credit profile, down payment, mortgage-insurance costs, property and other factors. Comparing both can help identify the better fit.
Is this quote request the same as pre-approval?
No. This inquiry starts a conversation about FHA financing. Pre-approval requires a more complete loan application and financial review.
Could an FHA loan be the right fit for your home purchase?
Request an FHA loan quote or start the pre-approval process to compare your options using your actual homebuying scenario.