FHA Loans with Low Down Payments

FHA Loans

Low down payments, flexible credit requirements, and government-backed confidence

Fast Approvals. Trusted Service. Serving Across Florida

Home Financing Made for First-Time Buyers

FHA loans are government-insured mortgages that make homeownership more accessible. With lower credit score requirements and down payments as low as 3.5%, they’re ideal for families ready to buy their first home.

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Is an FHA Loan Right for You?

FHA loans are designed to make your dream home achievable, even if traditional banks say no.

Our advisors will walk you through every option — so you can secure the financing that fits your goals.

Why Homebuyers Trust Rush Lending for FHA Loans

We combine speed, experience, and transparency to help
first-time buyers close with confidence — not confusion.

Low Down Payment Options.
Buy your home with as little as 3.5% down.
Competitive Fixed Rates.
Affordable monthly payments that fit your budget.
Fast, Online Approval Process.
Simple application, quick response, no stress.
Expert Support from Start to Close.
Personalized guidance every step of the way.

What You’ll Need to Qualify

Requirements vary by lender and loan size, our team will guide you through every step.

580+ Credit Score

(for 3.5% down payment options)

Steady Income & Employment History

Primary Residence Purchase

Loan Limits
Apply by County

What You’ll Need to Qualify

Requirements vary by lender and loan size, our team will guide you through every step.

580+ Credit Score

(for 3.5% down payment options)

Steady Income & Employment History

Primary Residence Purchase

Loan Limits
Apply by County

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Trusted by Experienced Homebuyers and Savvy Investors

4.5 Google Rating

Rush lending is the best in town! Fast service.

Cesar Rolex

Staff was amazing at Rush Lending and I’m so happy that I decided to work with them.

Dwight Samuels

Truly a great staff of people great energy and very helpful with making the home buying process an easy one thanks all keep up the great work.

Taishah Morin

Common Questions About Jumbo Loans

Everything You Need to Know About FHA Loans

FHA loans allow qualified borrowers to purchase a home with as little as 3.5% down, provided you have a credit score of 580 or higher. Those with slightly lower credit may still qualify with a 10% down payment.

Yes. FHA loans are designed to help borrowers with less-than-perfect credit. Even if you’ve had a bankruptcy or missed payments in the past, you may still qualify after showing a history of on-time payments and financial stability

No. While they’re popular among first-time buyers, any qualified borrower can use an FHA loan — whether you’re purchasing a new home or refinancing an existing FHA mortgage.

Absolutely. You can take advantage of the FHA Streamline Refinance program to lower your interest rate, reduce monthly payments, or remove mortgage insurance — often without an appraisal or income verification.

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Ready to Own Your First Home?

Get personalized guidance and fast approvals from Florida’s trusted mortgage experts.