FHA Home Loans

Buy a Home with a Low Down Payment & Flexible Credit Requirements

An FHA Home Loan makes homeownership more accessible by allowing qualified buyers to purchase a home with as little as 3.5% down payment and more flexible credit guidelines. Whether you’re a first-time homebuyer or need a more flexible financing option, FHA loans help you move into your home sooner with affordable monthly payments.

FHA Loan Requirements

Basic FHA guidelines typically include:

Every borrower situation is unique — we help you explore the best approval options available.

Who Is an FHA Loan Best For?

First-Time Homebuyers

Affordable loan programs and expert guidance to help you confidently purchase your first home.

Buyers with Moderate or Improving Credit

Flexible financing options designed to help buyers qualify even while building stronger credit.

Families with Limited Down Payment Savings

Low down payment solutions make homeownership possible without large upfront costs.

Self-Employed Borrowers

Specialized loan programs tailored for business owners and self-employed income structures.

Homebuyers Rebuilding Credit

Opportunities to qualify for a home loan while working toward better financial stability.

Buyers Looking for Affordable Monthly Payments

Loan options focused on keeping monthly mortgage payments manageable and budget-friendly.

What Our Clients Say

Trusted by Homeowners Across Florida

Hear from our satisfied clients about their smooth mortgage experience, personalized service, and how we helped them achieve their homeownership dreams.

      
   EZ Funding Group
   124 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   Jorge Jurado 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service, 24/7.
Jaime is very professional and always looking for customer needs,
  
 
      Posted on Google  
   
   Alexis Marxen 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had the privilege to work with Jaime Charouf for a closing. I'm a closer with a title company and having such great communication on the loan side makes the transaction go so smoothly. Jaime was on top of everything and was very responsive through the whole process. I would highly recommend him to anyone getting a mortgage.
  
 
      Posted on Google  
   
   sarita correa cardona 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had a great experience working with Jaime on our loan. He was always available to answer any questions we had and made the entire process clear and easy to understand.
  
 
      Posted on Google  
   
   Andres Felipe Calderon Carvajal 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excelente acompañamiento y asesoría de Jaime
  
 
      Posted on Google  
   
   yosahira coleman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellente
  
 
      Posted on Google  
   
   Tanya Fenton 
 
 
 
 Trustindex verifies that the original source of the review is Google. My experience with the Ez Funding Group (Jaime) and his team was nothing short of Amazing!!!! Jaime was very thorough in making sure all deadlines were met and paperwork was completed. Buying a home was a process it took a lot of patience but thanks to Jaime my dream is now a reality. Thank you Ez Funding Group for everything.
  
 
      Posted on Google  
   
   BD Nails by Yadi 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excelente servicio. Hace 10 años me ayudó a comprar mi casa y este año nuevamente me asistió con el refinanciamiento. Siempre profesional, atento y dispuesto a responder todas mis preguntas. Lo recomiendo al 100% por su experiencia y dedicación.
Excellent service. He helped me buy my home 10 years ago and this year assisted me again with the refinancing. Always professional, attentive, and willing to answer all my questions. I highly recommend him for his experience and dedication.
  
 
      Posted on Google  
   
   Andreina Font 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jaime is incredible, we worked with us from the very beginning giving us clear guidance as to how to be ready to even begin the process of being ready to buy our home, he helped with any doubts, pushed us in the best possible way, I can say without a doubt if not because of him my husband and I would not be homeowners right now. To say I recommend him is an understatement, his commitment is just unparalleled

Thank you Jaime
  
 
      Posted on Google  
   
   karen diaz 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience with Jaime. He was very patient, ready to Answer any questions, and extremely reliable.  I highly recommend Jaime from EZ funding. He made the  process so much easier and walked me through every step of the way

Get Started

Ready to Become a Homeowner?

An FHA loan could be your fastest path to homeownership — even if your credit or savings aren’t perfect.