FHA Loans
Government-backed home loans with down payments as low as 3.5% and flexible credit guidelines. A strong path for first-time buyers.
An FHA loan is insured by the Federal Housing Administration, which lets lenders offer low down payments and more flexible credit requirements than most conventional programs. Gift funds can cover your down payment, and sellers can contribute toward closing costs. At Opulence, your FHA loan is processed in-house and coordinated with your agent, so your offer is backed by a team that closes.
Everything You Need to Buy
Compare loan programs, run your numbers, and reach our team, all from one place.
Is an FHA Loan Right for You?
FHA financing opens the door to homeownership for buyers who are still building savings or credit.
The Opulence Advantage
2-1 Buydown.
An exclusive program that lowers your interest rate for the first two years of your loan. Your payments start lower, giving you breathing room for moving costs, furnishing, and settling into your new home.
Year 1: your rate is 2% below the note rate, for the lowest payment when moving costs are highest.
Year 2: your rate is 1% below the note rate, giving you a second full year of real savings.
Year 3 onward: your payment settles at the full note rate, which you qualify at from day one, so there are no surprises.
Exclusive to Opulence: your loan officer shows your exact Year 1 and Year 2 savings before you make an offer.
Our Loan Process
Four clear steps from your first conversation to closing day, all handled by one in-house team.
Consultation
Pre-Approval
Processing
Closing
Ready to Get Started?
Frequently Asked Questions
Answers to the questions we hear most about FHA home loans.
