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.

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Everything You Need to Buy

Compare loan programs, run your numbers, and reach our team, all from one place.

Who It Fits

Is an FHA Loan Right for You?

FHA financing opens the door to homeownership for buyers who are still building savings or credit.

First-time homebuyers
Buyers with a credit score of 580 or higher
Buyers with 3.5% saved for a down payment
Buyers using gift funds from family
Buyers rebuilding credit after past challenges
Buyers of one to four unit homes they will live in
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Lower rate in Year 1
Exclusive Program

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.

How It Works

Our Loan Process

Four clear steps from your first conversation to closing day, all handled by one in-house team.

Ready to Get Started?

500 N. Franklin Turnpike, Suite 303
Ramsey, NJ 07446
Call: 800-558-0475
Email: info@ophomeequity.com

    Frequently Asked Questions

    Answers to the questions we hear most about FHA home loans.

    What is the minimum down payment?
    With a credit score of 580 or higher, you can put down as little as 3.5%. Scores between 500 and 579 may qualify with 10% down.
    Can my down payment be a gift?
    Yes. FHA allows your entire down payment to come from an eligible gift, such as from a family member, with proper documentation.
    Does an FHA loan require mortgage insurance?
    Yes. FHA loans include an upfront mortgage insurance premium, which can be financed into the loan, and an annual premium paid monthly. We show you the full cost before you commit.
    What are the 2026 FHA loan limits?
    FHA limits vary by county. For a one-unit home in 2026, they range from $541,287 in lower-cost areas to $1,249,125 in high-cost areas.
    Can I buy a multi-unit property with FHA?
    Yes. You can buy a home with up to four units, as long as you live in one of them as your primary residence.
    Does the Opulence Advantage Buydown work with FHA loans?
    Yes. The 2-1 buydown is available on eligible FHA purchases, lowering your payments in Years 1 and 2.
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    Contact With Us!

    2220 Plymouth Rd #302, Hopkins, Minnesota(MN), 55305

    Call us: (234) 109-6666

    Mon – Sat: 8.00am – 18.00pm / Holiday : Closed