FHA Home Loans — Made Simple, Backed by Real Bankers
Everything You Need to Know (Without the Sales Pitch)
FHA Loans are government-backed, flexible, and built for buyers who don’t have a perfect credit score or a big down payment saved up. Yes — they can work with scores as low as 550. Yes — they only require 3.5% down. And yes — we're a real FDIC-insured bank, licensed in all 50 states, actually offering them.
If you’re here wondering whether FHA is a fit, the short answer is: it might be — especially if you're pairing it with a Down Payment Assistance program.
Thousands of buyers have already qualified through our system — we’ll show you what’s real and what’s not.
Let’s break it all down.
Why FHA? It Was Designed for Buyers Just Like You
FHA loans were created to help more Americans buy homes — plain and simple. Whether you're a first-time buyer, have a few credit dings, or just don’t have 20% saved up, FHA could be your bridge into homeownership.
Here’s what makes them different:
Only 3.5% down required (compared to 5–20% on other loans)
Credit scores from 550+ eligible
Gift funds and DPA programs allowed
Lower interest rates than many non-government options
Flexible guidelines for debt and income ratios
Translation? This isn’t a “perfect borrower only” club — FHA loans were made to help everyday working Americans get approved.
Can FHA Loans Be Combined With Down Payment Assistance?
Absolutely. In fact, pairing an FHA loan with Down Payment Assistance (DPA) is one of the most common — and powerful — ways to buy a home with less out-of-pocket cost.
Many of our clients use DPA to cover the 3.5% required down, which means they close with as little as $0 due at signing (depending on closing costs and eligibility).
We help structure that every day — because we’re not a lead site — we’re the bank.
Quick FHA Loan Snapshot
Here’s what most buyers ask about:
Minimum Credit Score: 580+ for 3.5% down, 550–579 with 10% down
Max Loan Amounts: Vary by county, check current limits
Can Be Used On: Primary residences only (1–4 unit homes)
Mortgage Insurance: Required (MIP), upfront and monthly
Debt-to-Income: Generally 43–50%, but exceptions apply
Why Choose Down Payment Hunters for FHA?
Because we’re not a call center, not a faceless lender, and not some aggregator site selling your info.
🏦 FDIC Insured — Full-service bank, nationwide
📲 Direct Access to Real Bankers — Licensed loan officers, not bots
🔍 No Hard Pull to Start — We pre-check what’s possible before you commit
🤝 50-State Coverage — We’ll help no matter where you’re buying
💸 Smart Loan Stacking — We know how to combine FHA + DPA + other perks
Is FHA Right For You?
If you're shopping for your first home, have a score below 700, or want to buy now without waiting years to save up 20%, FHA is likely your best shot.
We’ll walk you through everything — transparently, efficiently, and without pressure.
Ready to See If You Qualify for an FHA Loan + DPA?
Click here to Start With a Quick Quiz — No Credit Pull Required
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To speak with a banker or check program eligibility, call anytime.
THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.
*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.
*No SSN required. No credit pull. No risk. The info you share on this eligibility form is only used to check general eligibility against our banks loan programs — based on what you tell us. We never pull your credit (not even a soft pull), and we don’t ask for sensitive data like your Social Security number at this stage. Your information is never sold. If you decide to move forward, your banker will walk you through next steps and confirm before running any credit check. Until then, it’s 100% no-pressure, no-obligation.
*Messaging and Data Rates May Apply.
*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.
*We do not offer new dealer-manufactured home loans in New York, but we do offer modular and site-built land and home construction.
*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.
REALTOR® is a registered trademark of the National Association of Realtors and is not affiliated with NationwideHomeLoansGroup.com or The Federal Savings Bank.
†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program offered exclusively by us to help our consumers save on their real estate transactions.
DOWNPAYMENTHUNTERS.COM, POWERED BY THE FEDERAL SAVINGS BANK, 4120 WEST DIVERSEY AVENUE, CHICAGO, IL, 60639, UNITED STATES (844) 999-0639
