Flexible guidelines
Opening the door to homeownership
An FHA loan is a mortgage insured by the Federal Housing Administration. Because the government insures the loan, lenders can offer low down payment options and more flexible credit and income guidelines than many conventional loans. That makes FHA a popular choice for first-time buyers and for borrowers who are still building their credit.
Luna Lending works with multiple FHA-approved lenders, so we can shop your scenario and walk you through how FHA compares with conventional financing for your situation.
Get Started
Is an FHA loan right for you?
Here’s how it can help
First-time buyers
FHA loans are designed to make homeownership more accessible, especially when saving a large down payment is a challenge.
Credit still in progress
FHA guidelines can be more forgiving of past credit issues and lower credit scores than many conventional programs.
Gift funds welcome
FHA generally allows down payment funds to come from an eligible gift, such as from a family member.
How it works with Luna Lending
Tell us your goals
Share what you are looking for and a little about your situation.
We shop multiple lenders
As an independent broker, we compare programs and pricing from multiple wholesale lenders.
Compare your options
We walk you through rates, costs and terms side by side, in plain language.
Close with confidence
We stay in touch from application to closing, with clear updates along the way.
Good to know
Questions we hear often
Mortgage insurance
FHA loans include an upfront mortgage insurance premium and an annual premium paid monthly. We will show you how this affects your total cost.
Property standards
The home must meet FHA property standards and be your primary residence.
Loan limits
FHA sets maximum loan amounts by county, and they are updated each year. We will confirm the current limit for your area.
Renovation option
If the home needs work, an FHA 203(k) renovation loan can combine the purchase and repair costs into one loan.
Get ready
Let Luna Lending guide you home
Talk with a local Denver mortgage broker about your options. No pressure, just clear answers.
Get StartedThis page is for general educational purposes only and is not a commitment to lend or an offer of credit. Loan approval, rates, terms and program availability depend on credit, income, assets, property type and underwriting review, and may change without notice. Luna Lending Inc. | NMLS #2032089 | 1900 Grant St. Ste 1150, Denver, CO 80203 | 720-594-6585 | Licensed in CA, CO, NC and NV. Equal Housing Opportunity.