Friends drinking coffee in their apartment

FHA Loans

Helping Americans Realize the Dream of Homeownership

A popular mortgage for first time homebuyers with a low down payment.

Banner image for A Great Option for First Time Home Buyers

A Great Option for First Time Home Buyers

A FHA loan is one that is insured by the Federal Housing Administration (FHA), which is part of Housing and Urban Development (HUD). This makes a FHA loan a government home loan. FHA loans are popular mortgages among first time home buyers because the down payment can be as low as 3.5% of the purchase price, and most of the closing costs and fees can be included in the loan.
How Can You Qualify?

How Can You Qualify?

Qualifying for a FHA loan tends to be easier because the guidelines are more flexible on a government-insured loan. SouthState’s FHA loan requirements include:
  • At least a 3.5% down payment
  • Credit score of at least 5802
  • Steady employment history
  • A valid social security number or proof of residency
couple touring a home for sale

Learn More About FHA Loan Rates & Requirements

Find a Mortgage Banker Near You
Get Started

Get Started


Icon for Apply Online Now

Apply Online Now

Get Started
Icon for New Mortgage Inquiries

New Mortgage Inquiries

(866) 229-5628
Icon for Send Us An Email

Send Us An Email

Email Us

Mortgage Insights


  • All loans subject to credit approval.
  1. All loans are subject to credit approval and program guidelines. Minimum credit score applies to purchase transactions only.

Secure Log In

Close login menu
Login Error

Your username is valid but has a problem. Please call customer support

Our website uses cookies to ensure your online experience is as informative and relevant as possible. Please review our Privacy Policy to learn more about the information we collect.