FHA loans are insured by the Federal Housing Administration and are designed to make homeownership accessible to buyers who may not meet conventional loan requirements.

FHA loans may be a good fit if:

• Your credit score is in the 580–620 range
• You have limited funds saved for a down payment
• You’re recovering from a past financial hardship

With a minimum down payment as low as 3.5% for eligible borrowers, FHA loans remain one of the most used loan programs for first-time buyers in Nevada.