fha loans

Let’s Get You Home

Every homeowner starts somewhere. Whether it’s your first step or a second chance, an FHA loan helps you make it happen. With low down payments and flexible credit options, we’ll guide you from application to front door with clarity and care.

What Is an FHA Loan?

An FHA loan is a government-backed mortgage that helps buyers who may not qualify for conventional financing.

The Federal Housing Administration insures your loan, which allows lenders to offer lower down payments, flexible credit options, and competitive rates. It’s a great way to start building stability and equity with confidence.

how it works

Step 1

Apply Online

A quick form to get started.
Step 2

Get Matched With a Loan Officer

Real guidance from someone who listens.
Step 3

Review Your Options

We’ll break down payments, rates, and benefits side by side.
Step 4

Close With Confidence

Fast, clear, and with no surprises.
Start My Application

Who Qualifies?

You may be eligible for an FHA loan if you:

  • Have a credit score of at least 500 (higher scores may unlock even better terms).
  • Plan to live in the home as your primary residence.
  • Can provide a down payment (as low as 3.5%).
  • Meet FHA guidelines for income and debt-to-income ratio.

Not sure if you qualify? That’s where we come in. We’ll walk you through it step by step.

Check My Eligibility

GET A SAME DAY APPROVAL

Waiting days to hear back isn’t our style. With New Era, you’ll know exactly what you can afford in under half an hour.
Get Approved

Types of Loans We Offer

Pick your path and we’ll guide you every step of the way
See If You Qualify
FHA cash out
Tap into your equity with clear terms and flexible options.
Rehab loans
Buy and renovate with one loan that covers the whole project.

Why Choose an FHA Loan?

Perfect for buyers who want an affordable start without the pressure of perfect credit.

  • Lower Down Payments – As little as 3.5% down.
  • Flexible Credit Requirements – Great for buyers still building credit.
  • Competitive Rates – Affordable monthly payments that keep you moving forward.
  • Refinance Options – Reduce your rate or tap into equity later on.
  • Backed by the FHA – Extra peace of mind with government-backed security.
Apply now
Tools & Education

FHA Loan Tools

Down Payment Calculator
Estimate your upfront costs
Home Affordability Calculator
Find out how much home you can afford
Mortgage Calculator
Estimate your monthly mortgage payment

Real Stories, Real Results

Hear How We Are Changing Lives from Our Clients Themselves
“I thought I’d never own a home after leaving service. New Era made it possible with $0 down — and walked me through every step like I was family.”
Sgt. Daniel R.
“When I refinanced with New Era, I consolidated $30k in debt into one simple payment. It gave me breathing room and a fresh start.”
Navy Veteran Michelle T.
“They understood my military background, my timeline, and my family’s needs. This wasn’t just a loan, it was a mission they took on with me.”
Capt. James K.

Faqs

Do I need perfect credit?
No. FHA is built to help buyers with modest credit histories.
How much down payment is required?
As little as 3.5% with qualifying credit.
Will I pay mortgage insurance?
Yes. FHA has upfront and annual mortgage insurance premiums. We’ll show the exact cost for your case.
Is this only for first-time buyers?
No. FHA works for many buyers who meet the guidelines.

Ready to Take the Next Step?

With the right loan and the right guidance, homeownership is closer than you think.

Get Pre-Approved