FHA Insider

Struggling to choose between an FHA or conventional loan? Discover the key differences in credit, down payments, and insurance so you can pick the best path to homeownership—even if you’re buying your first home or have a limited budget.

guides

Lance Trimble • 30 Jun 2025

First-Time Homebuyer Programs in 2025

Discover 7 top first-time homebuyer programs—from FHA and VA to state grants—plus expert tips to cut costs and turn renting into equity-building ownership.

blog

Lance Trimble • 30 Jun 2025

Pre-Foreclosure Buying Guide: Steps to Purchase a Distressed Home and Save

Pre-foreclosure buying guide: Learn how to find, evaluate, and buy distressed homes before they hit auction. Discover cost-saving tips and potential risks in this expert guide from FHA Insider.

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I never thought I’d find the perfect FHA-approved home, but this platform made it easy. The listings were clear, matched my budget, and helped me navigate the process. Now, I’m a proud homeowner!

Sienna Hewitt

First-Time Homebuyer

Frequently Asked Questions

Find answers to common questions about FHA-approved homes and the homebuying process.

What is an FHA-approved home?

An FHA-approved home is one that meets the guidelines set by the Federal Housing Administration (FHA). These homes are eligible for FHA loans, which are designed to help first-time buyers and those with less-than-perfect credit.

How do I know if a property qualifies for an FHA loan?

You can search for properties listed as FHA-approved on our platform. Each listing meets the criteria for FHA loans, ensuring you won’t waste time on homes that don’t qualify.

What are the benefits of buying an FHA-approved home?

FHA-approved homes allow first-time buyers to access lower down payments, lower credit score requirements, and competitive interest rates. They make homeownership more affordable and accessible.

Can I use an FHA loan to buy a home anywhere?

FHA loans are available nationwide, but eligibility may depend on the home’s location and the loan limit for the area. Use our platform to find FHA-approved homes within your price range and location.

Do I need a high credit score to qualify for an FHA loan?

No, one of the major advantages of an FHA loan is that it allows for lower credit score requirements compared to conventional loans. However, specific credit score requirements may vary depending on the lender.

How do I apply for an FHA loan?

Once you’ve found your FHA-approved home, you’ll need to work with an FHA-approved lender. They’ll guide you through the application and approval process.