Own your first home with an FHA loan—without guesswork.
One Mortgage helps first-time home buyers qualify for FHA loans with lower down payments and flexible credit options. Get a clear plan, real numbers, and a local expert guiding every step.
- As little as 3.5% down with FHA financing
- Get pre-approved in as little as 24 hours
- Local mortgage & real estate team under one roof
No impact on your credit score.
Licensed Mortgage Broker serving first-time buyers.
Why FHA loans are made for first-time buyers
FHA loans were designed to help buyers with limited savings or less-than-perfect credit become homeowners. As a dedicated FHA and first-time buyer partner, One Mortgage helps you unlock these benefits without the confusion.
- Down payments as low as 3.5%
- Flexible credit guidelines compared to conventional loans
- Use gift funds from family for your down payment
- Combine with local down payment assistance when available
We don’t just quote rates. We map out a full path from where you are today to keys in hand, including payment estimates, closing costs, and timelines.
Lower down payment
Keep more cash on hand for moving costs and savings.
Credit-friendly
Workable options even if your score isn’t perfect.
Coaching included
We’ll help you improve your file if you’re not ready yet.
Home + agent team
Mortgage and real estate guidance under one roof.
Your path to keys in hand
We simplify the FHA loan process into clear, guided steps—from your first question to move-in day.
1. Free consultation
We learn about your goals, budget, and timeline, then outline the best FHA path for you.
2. Pre-approval & plan
We gather documents, run your application, and deliver a clear pre-approval letter and payment scenario.
3. Search with confidence
Our real estate partners help you find FHA-friendly homes that fit your numbers and lifestyle.
4. Close & move in
We manage underwriting, appraisal, and closing so you can focus on planning move-in day.
Is an FHA loan right for you?
FHA loans are powerful for many first-time buyers, but they’re not the only option. During your free consultation, we’ll compare FHA with conventional and other programs to see what truly fits you.
- Transparent pros & cons of each loan type
- Real payment and cash-to-close comparisons
- Strategies to lower monthly payments over time
FHA vs. Conventional snapshot
FHA may be better if: you have a smaller down payment, shorter credit history, or want more flexible approval guidelines.
Conventional may be better if: you have a larger down payment and stronger credit, and want to remove mortgage insurance sooner.
- See FHA vs. conventional side-by-side for your situation
- Understand how mortgage insurance affects your payment
- Learn what improvements can unlock better terms
Stories from first-time buyers
Real clients who used FHA and our team to turn “maybe someday” into move-in day.
I’m very grateful and appreciative for this dream that rafeal helped me achieve and there’s no way i could put this into words, his very patient and consistent and it’s just great, To achieve such a goal i couldn’t have done it without him and his teamwork.
Rafael did a good deal for us! Thank you so much !! I really recommend this guy, his service is incredible! We are soooo happy with our new Homeeeee!!! :D He’s super reachable whenever you have any questions or you don’t know something he will be there for you.
Absolutely grateful with this company. Rafael was amazing throughout the whole process, he guided me and explained everything to the tee. Him and Carlos Mendoza, my realtor, did an amazing job and helped me to get my first dreamed house. Thank you!!!
Amazing customer service and amazing knowledge! With One mortgage purchase or refinance your home it’s the best experience and the best deal ! Professional and dedicated team! A+ for this company.
Thank you very much to Rafael Delgado for his highly recommended services, very friendly and honest. Works fast and efficiently.
I would like to give over 5 stars, excellent services, professionalism is the key for these guys, thank you Rafael will be seeing you soon!
Rafael is extremely knowledgeable and incredibly professional. Definitely recommending everyone to him!
Very good person personally and professionally. He works very fast and at any time that you need him, he is available. I recommend him 100%
Ellos son muy buenos trabajan en equipo y hay esta la fuerza. . cuando se preocupan por mejorar tu compra y que quedes satifecha se lo recomiendo a todas las persanas que vayan a compar .muchas gracias por su ayuda estoy muy contenta de haber puesto mi casa en manos de ellos
FHA & first-time buyer FAQ
Will a free consultation affect my credit score?
No. Our initial FHA consultation is built around your goals and estimated numbers. When you’re ready to move forward with a formal pre-approval, we’ll talk through how a credit check works before we do anything.
How much do I need for an FHA down payment?
Most buyers qualify for FHA with as little as 3.5% down. In some cases, you can use gift funds or combine your FHA loan with local down payment assistance programs. We’ll help you explore every option.
What credit score do I need for an FHA loan?
FHA guidelines allow for lower credit scores than many conventional loans. Exact requirements can vary by lender and your full file. If you’re not quite ready, we’ll map out steps to help you get there.
Can I use FHA for a duplex or multi-unit property?
Yes—you can use an FHA loan to purchase up to a 4-unit property as long as you live in one of the units as your primary residence. This can be a powerful way for first-time buyers to build equity.
Ready to see your numbers?
Get a personalized FHA homebuying roadmap with estimated payments, down payment options, and a clear next step—in one no-pressure call.
Most consultations last 15–30 minutes and can be done by phone or video—whatever works best for you.
