---
title: "FHA Loans: Requirements and Rates | UHM"
---

# FHA Loans

## Federally insured loans with low down payment options and less stringent credit requirements.

![low-monthly-payments](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/low-monthly-payments.png)

## Low down payment requirements

Purchase a home with a low down payment.

![flexible-credit123](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hs-fs/hubfs/flexible-credit123.png?width=142&height=142&name=flexible-credit123.png)

## Flexible credit requirements

Borrowers with less than perfect credit may qualify.

![seller-gift-moneyF3-2](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/seller-gift-moneyF3-2.png)

## Seller or gift-money contribution

The seller can contribute up to 6% of your closing costs or use gift money.

 CALCULATE YOUR MORTGAGE 

[ProductBenefitsMobile ** ](http://sandbox-bedford-capital-uhm-22018491.hs-sites.com/fha#productBenefitsMobile)

![low-monthly-payments](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/low-monthly-payments.png)

## Low down payment requirements

Purchase a home with a low down payment.

![flexible-credit123](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hs-fs/hubfs/flexible-credit123.png?width=142&height=142&name=flexible-credit123.png)

## Flexible credit requirements

Borrowers with less than perfect credit may qualify.

![seller-gift-moneyF3-2](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/seller-gift-moneyF3-2.png)

## Seller or gift-money contribution

The seller can contribute up to 6% of your closing costs or use gift money.

### WHY UHM?

## We go above and beyond to deliver a mortgage experience you'll rave about

![we-keep-our-promises1-Feb-26-2024-07-16-33-5678-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/we-keep-our-promises1-Feb-26-2024-07-16-33-5678-AM.png)

## We keep our promises

Our mantra promises that we stand by what we say, exceed expectations with what we do and will treat you like family at every turn.

![industry-experts2-Feb-26-2024-07-17-13-2264-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/industry-experts2-Feb-26-2024-07-17-13-2264-AM.png)

## Industry expertise

We’ve been in the business for half a century and have guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership.

![world-class-service3-Feb-26-2024-07-17-52-3290-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/world-class-service3-Feb-26-2024-07-17-52-3290-AM.png)

## World-class service

From day one to close through each monthly statement, our Partners go the extra mile for every customer and deliver personalized service unmatched in the industry.

![long-haul4-Feb-24-2024-07-46-46-8072-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/long-haul4-Feb-24-2024-07-46-46-8072-AM.png)

## Streamlined process

Mortgages don't need to be complicated. Our process is simple and straightforward. Your loan officer keeps you in the loop every step of the way home.

![equal-housing-lender5-Feb-26-2024-07-19-28-9563-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/equal-housing-lender5-Feb-26-2024-07-19-28-9563-AM.png)

## Equal housing lender

We believe in making homeownership accessible to persons of every race, color, religion, gender, familial status, national origin, military status or disability.

### HOMEOWNERSHIP IS POSSIBLE

## The path to your new home starts here

## Ready to begin? Explore your loan options now.