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[** Back to Express School](<https://lbcmortgage.com/mortgage-shorts/>)  April 17, 2023  

# FHA Loan

[First-Time Homebuyers](<https://lbcmortgage.com/mortgage-shorts/first-time-homebuyers/>) 

Most people probably heard about it, but just to give you more details how it works:

You need to have two year employment history. The bank will check your income and credit to see if you qualify for that loan. But the good thing about it, you only need to have a minimum down payment of 3 1/2% and there’s also options with FHA where you can put zero down payment.

That’s why this program is very popular with people who like to purchase for the first time.

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