FHA Loans - Align Lending

FOR HOME BUYERS

FHA Loan

FHA loans are government-backed mortgages designed to make homeownership more accessible—especially for first-time buyers or those with less-than-perfect credit. With flexible qualification criteria and lower down payment requirements, FHA loans open the door to affordable housing for more families.

Making homeownership more accessible.

Low Down Payment

Qualify with as little as 3.5% down, making homeownership possible even without a large savings reserve.

Flexible Credit Requirements

Borrowers with credit scores as low as 580 may still qualify. Past credit issues? You’re not disqualified.

Refinance Options

FHA Streamline and FHA Cash-Out refinance programs help you lower your rate or tap equity.

Loan Term Flexibility

Choose a 15- or 30-year term that fits your budget and long-term plans.

What our Clients Say

Excellent 5.0 | 86 Reviews

5.0

Based on 88 reviews

review us on

Kayla P

01:13 22 Jul 25

If I could recommend Sam a million times I would. She made the process of buying our first home effortless. I’m grateful to have had her as our broker and even recommended a wonderful realtor as well!

Response from the owner 06:02 22 Jul 25

Thank you, Kayla P., for your fantastic review! We’re thrilled to hear that Sam made your first home buying experience so effortless. It’s wonderful to know she could also assist you with a great realtor! We appreciate your recommendations and are here for any future mortgage needs.Thank you for allowing us the opportunity to Align your dream of homeownership!

Benjamin Shafer

20:13 20 Jun 25

Samantha is a rockstar! She provided expert help and guided me through the loan process in terms that were easy to understand and made the whole experience painless!

Response from the owner 23:38 20 Jun 25

Thank you, Benjamin Shafer, for your fantastic review! We’re delighted to hear that Samantha made your loan process seamless and easy to understand. Our team is here for any future mortgage needs, and we appreciate you sharing your experience with others!Thank you for allowing us the opportunity to Align your dream of homeownership!

Sarah D

13:53 03 Jun 25

Kevin was great! Very helpful, knowledgeable and communicative throughout my refinance.

Ben Davis

20:17 12 Feb 25

Taylor is the best. She's so sweet and has great rates. If you need a skilled loan officer, she's the one to talk to.

Response from the owner 20:27 12 Feb 25

Thank you for your kind words, Ben! We're thrilled to hear that Taylor made such a positive impact on your experience. We'll be sure to pass along your compliments to her!

Mark K

15:48 21 Oct 24

Everyone at Align knows what they’re doing. Ryan took the time to answer every question I had, and overall made the process as a first time home buyer stress-free.

Response from the owner 15:58 21 Oct 24

Thank you for your wonderful review, Mark! We're thrilled to hear that Ryan was able to assist you and make your experience stress-free. Your satisfaction as a first-time home buyer is our top priority. We appreciate your feedback and look forward to helping you again in the future!

Travis Krakowski

22:03 19 Aug 24

Travis and the team at Align Lending are hands down the best mortgage option for anyone looking to buy or refinance. Travis spent as much time as it took to be sure I was in the best spot to buy a house and stuck with me through it all. I am so proud of my home and none of it would have been possible without Travis.

Realnvest Academy

03:31 26 Jun 24

Very professional and knowledgeable, highly recommend for your lending needs!

Justin Barton

22:08 17 Jun 24

Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend

Jamie

17:49 17 Jun 24

Samantha is a rockstar. We had an unusual situation with our lending and she went above and beyond to help us get our mortgage approved. I truly feel that if we had worked with any other lender or broker, we would not have been able to close on time, or maybe at all. I am beyond happy with the work Samantha did for us and how she handled the entire process. I cannot say enough good things about the work she did for me and my husband. I will be recommending Align Lending and Samantha to anyone that needs a lender.

matthew sykora

16:29 22 Mar 24

Just bought my first home and Ryan Greiner made the mortgage process incredibly quick and easy to understand. He worked hand in hand with my realtor and made sure everything I needed was ready when it had to be. Definitely reccomend Align Lending and Ryan both!

The Pettifords

00:37 07 Jan 24

As first time homebuyers we made sure to do our research before choosing a mortgage broker. We decided to go with Align Lending and could not have made a better choice. We worked with Samantha and she made the entire process smooth and easy. The customer service was top notch! The professional, yet caring approach was just what we were looking. We highly recommend Align Lending!

Shawna Schink

22:36 01 Jan 24

Samantha was absolutely wonderful to work with when we purchased our new home last month. She made herself available day and night for us and was always able to quickly respond to our questions. She made the entire process so comfortable and easy. 10/10 would highly recommend!!

Angela Hunt

13:05 12 Oct 23

Samantha and align lending are always a pleasure to work with. I recommend my clients here and they always are quick to help, knowledgeable and make the process as smooth as possible. We will definitely keep using them for our mortgage needs in the future.

Guidelines for this Loan

If your details are close to these guidelines, we encourage you to apply or contact us. Even if you don’t qualify for an adjustable-rate mortgage, we could have other options for you.

Primary Residence Only

he home must be your primary residence, not a vacation or investment property.

Credit Score

Minimum score is typically 580 for 3.5% down; higher scores may unlock better rates.

DTI Ratio

Debt-to-income ratios can be as high as 57% with compensating factors.

Closing Costs

Typically 2–5% of the loan amount; seller/lender credits may help offset.

Mortgage Insurance

Includes both upfront (1.75% of the loan amount) and monthly premiums.

Estimate and Explore

Calculators are a great way to learn and see what’s possible.

Get More In-Depth Details

Articles that give you more information about this loan and explain how mortgages work.

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First-Time Home Buyer’s Guide: Your Blueprint to Landing Your Dream Home (Without Losing Your Mind)

Get expert tips for first-time home buyers in 2025, from mortgages to home search. Start your journey now!...

Frequently Asked Questions

Answers to questions about this loan we heard from people like you during research.

Are FHA Loans Only for First-Time Buyers?

No! While they’re especially popular with first-time buyers, FHA loans are available to anyone meeting the requirements—even repeat homebuyers.

Can I Use Gift Funds for My Down Payment?

Yes. FHA allows 100% of your down payment and closing costs to come from gift funds, provided the donor is an approved source (family, employer, etc.).

What Is FHA Streamline Refinance?

It’s a simplified refinance option for borrowers with existing FHA loans. It usually requires no appraisal or income documentation and provides a faster path to a lower rate.

Can I Have a Co-Borrower on an FHA Loan?

Yes, and they don’t have to live in the home. However, co-borrowers who don’t occupy the home may need stronger financials.

Can I Buy a Multifamily Property with an FHA Loan?

Yes, you can finance up to a 4-unit property with FHA, as long as you occupy one of the units as your primary residence.