Become a homeowner with an FHA Loan
What makes an FHA Loan right for you? An FHA loan requires as little as 3.5% down payment to buy a home and has more flexible credit guidelines, making it a great option for a lot of first-time buyers. So a low down payment, plus our low rates, can help you go from renting to owning.
- Low down payment – Buy with 3.5% down
- Low, fixed rates – Save on monthly payments with our low rates
- Flexible credit guidelines – Typically easier to qualify for FHA if your credit is less-than-perfect
FHA Loan Rates
| Product | Points | APR† | Rate as low as... | Payment example | |
|---|---|---|---|---|---|
| 30-Year FHA * | 0% | 3.533% | 3.250% | $597.81 | Apply |
| 15-Year FHA * | 0% | 3.766% | 3.250% | $965.21 | Apply |
*Based on a $135,000 loan amount. Payment example includes mortgage insurance, but does not include taxes and homeowners insurance. Actual payments will be higher. FHA loans require an upfront mortgage insurance premium (UFMIP), which may be financed or paid at closing. Monthly mortgage insurance premiums will apply. Available for purchases only.
Membership eligibility required. Loan subject to credit approval. Financing available for properties in Texas, Colorado or Utah. Minimum loan amounts may apply. Rates subject to change.
† APR = Annual Percentage Rate. The APR is accurate as of 5/8/20.
◊ Image is for illustrative purposes only. Not an actual member.