FHA Home Loan

A Federal Housing Administration (FHA) loan is a government insured loan offering flexible credit and down payment options.
Get Started
Get Started
  • Available for purchase, cash-out or rate-term refinance
  • Down payments can be gifted with required source verification
  • Seller can contribute up to 6% of the purchase price towards the buyer’s closing cost
  • Down payments as low as 3.5%*

Angel Oak’s FHA product is a government insured loan through the U.S. Federal Housing Administration. This loan is for homebuyers who need a lower down payment option and/or flexible credit requirements. Eligible borrowers can qualify with as little as 3.5% down based on their credit score.

AL
AZ
AR
CA
CO
FL
GA
IL
LA
MD
MI
NH
NJ
NM
NC
OH
OR
PA
SC
TN
TX
UT
VA
WA
DC
WI

Contact a Loan Officer

Property State
Loan Purpose
Looking For A Specific Mortgage Advisor?
Are You Self-Employed?
Residence Type
Credit Score
Submit
We take your privacy seriously. By clicking "Submit" or "Send My Verification Code", you are providing express "written" consent to allow Angel Oak Home Loans LLC NMLS 685842 to call or text you at the telephone number provided above for advertising or telemarketing purposes related to your mortgage inquiry (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone or mobile device (including SMS and MMS - charges may apply) and/or email you at the email address provided, even if the telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list. You are not required to provide this consent as a condition of purchasing goods or services with Angel Oak Home Loans LLC NMLS 685842. Privacy policy https://www.angeloakhomeloans.com/privacy-policy
success check icon
Thanks! A Mortgage Advisor Will Be In Touch With You Shortly.
Oops! Something went wrong while submitting the form.

Product FAQ

General FAQ

What Is The Income Limit For An FHA Loan?
A lender will look at a debt to income ratio. FHA indicates this to be 43% or less. This means that your combined debts should be no more than 43% of your gross monthly income. There are exceptions and a lender can verify.
How Does An FHA Loan Work?
An FHA loan is insured by the Federal Housing Administration (FHA). This loan helps borrowers who need lower down payments or who have lower credit scores. Borrowers can qualify for an FHA loan with a down payment as little as 3.5% based on their credit score. A lender can verify credit scores.
Do You Have To Pay Closing Costs On A FHA Loan?
Sellers can pay closing costs up to six percent of the purchase price. This can include lender fees, property taxes, homeowners insurance, escrow fees and title insurance. A lender can provide more information and these can vary.