Loan Programs

FHA Loans

FHA loans are government-backed mortgages designed to make homeownership accessible, especially for first-time buyers. With lower credit requirements and down payments as low as 3.5%, FHA loans are one of the most popular paths to homeownership.

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FHA Loans

Program Features

Down payment as low as 3.5%

Credit scores accepted from 580+

Gift funds allowed for down payment

Higher debt-to-income ratios accepted

Fixed and adjustable rate options

Streamline refinance available

Seller can contribute up to 6% toward closing costs

Available for 1-4 unit properties

C2 Financial Corporation is not FHA-approved but originates FHA loans through its relationships with FHA-approved wholesale lenders. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice.

Frequently Asked Questions

Who qualifies for an FHA loan?
FHA loans are available to most borrowers with a credit score of 580+ and a 3.5% down payment. Borrowers with scores between 500-579 may qualify with a 10% down payment.
Is FHA only for first-time buyers?
No. While FHA loans are popular with first-time buyers, they're available to any qualifying borrower, including repeat homebuyers and those looking to refinance.
What is the FHA mortgage insurance premium?
FHA loans require an upfront MIP of 1.75% of the loan amount (can be rolled into the loan) and an annual MIP of 0.55% for most borrowers, paid monthly.

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