FHA Loans
Accessible Home Financing with Flexible Qualifying Criteria
FHA loans are government-insured mortgages designed to bring homeownership within reach. By offering lower down payments and flexible credit requirements, these loans provide an accessible entry point for Denver buyers—even those without a perfect credit history.
3.5%
Min Down Payment
580+
Min Credit Score
$541,287
2026 FHA Limit (Most CO Counties)
14 Days
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What Is an FHA Loan?
An FHA loan is a mortgage insured by the Federal Housing Administration. This government guarantee allows lenders to provide more competitive interest rates and accept lower down payments than standard conventional financing. For Denver homebuyers, this means an affordable path to homeownership without requiring a perfect credit score or a full 20% down payment.
Advantages of FHA Loans
Lower Credit Requirements
FHA loans offered by Integrity provide a wider safety net, accepting credit scores that many conventional lenders may decline.
Low Upfront Costs
With only 3.5% down required, you can preserve your savings—plus, guidelines allow down payment funds to be gifted by family.
Competitive Fixed Interest Rates
Government backing ensures that FHA rates are consistently competitive, often outperforming conventional mortgage options for similar profiles.
FHA Loan Requirements
CREDIT SCORE
580+ Credit Score: Minimum requirement to qualify for the 3.5% down payment option.
DOWN PAYMENT
3.5% Min Down Payment: A significantly lower entry point required for most qualifying buyers.
DEBT-TO-INCOME
Debt-to-Income: Usually requires a ratio below 43%, though flexible exceptions often apply.
2026 LOAN LIMITS
$541,287 Limit: Maximum 2026 loan limit across most Colorado counties.
EMPLOYMENT
Employment History: Requires proof of steady income (usually over the last 2 years).
PROPERTY TYPE
Primary Residence: Must be your main home and meet basic FHA safety standards.
The FHA Loan Process
1
Check Credit & Budget
2
Gather Documentation
3
Integrity Pre-Approval
4
Home Search & Closing
Take the First Step Today
The Denver market moves quickly. Securing your FHA pre-approval is the vital first step toward winning your future home. Integrity Mortgage Advisors offers a no cost, no commitment consultation to find your best path forward.