Buy with as little as 3.5% down, even with low to fair credit. We shop multiple lenders and investors to get you low rates.
Low down payment, flexible credit, and real options. We broker your loan or fund it ourselves.
Buy with far less cash up front.
580 opens the door to 3.5% down.
Understand your true out of pocket, payment, and purchase price.
One team from quote to close, no handoffs.
Our straightforward process brings fast quotes, a simple online experience, easy e-signs, and expert advice every step of the way.
Get started online or on the phone in minutes. We collect supporting documentation that strengthens your pre-qualification letter and helps sellers know you’re a qualified buyer.
We shop top lenders and FHA programs to deliver simple, easy-to-understand numbers. We work with your realtor to keep you within your price, payment, and out of pocket range.
Upload docs, e-sign securely, and get your approval fast. We guide you through the appraisal and loan process with clarity.
Review and sign your closing documents. Then pick up the keys to your first home.
Pick the officer you click with — every Agave LO is dedicated to your file from quote to close.
Jena is a skilled Presidents Club Mortgage Loan Originator with more than 3+ years of experience, offering personalized service for both purchase and refinance mortgages.
Greyson has a proven track record of securing favorable rates and terms for his clients with 2+ years of experience.
Hanna and Agave Home Loans will guide you through the home buying or refinance process with ease and transparency with 8+ years of experience.
Talk to an FHA-specialist loan officer today. No hard credit pull, no obligation.
I am a first time buyer and the process can be quite overwhelming. I had the pleasure of working with Marshall and he made this confusing and new process as comfortable and clear as possible.
Kiley at Agave Home Loans did an amazing job helping my wife and me secure a loan that fit our budget. While my credit challenges meant we couldn't get the best interest rate, Kiley worked hard every step of the way and got the deal done.
Very lovely to work with and very supportive! Kiley was amazing to work with and she definitely calmed me down when things went a little south!
Quick answers about FHA loans, eligibility, and how Agave compares.
We provide the options, you make the choice. Our home loans are backed by expert guidance, competitive rates, and complete transparency.
Modern tools and a streamlined process help you close quickly without the confusion or extra costs.
An FHA loan is a mortgage insured by the Federal Housing Administration, designed for buyers who don't have a large down payment or a perfect credit history. Because the government insures the loan, lenders can offer more flexible terms than a conventional mortgage — including a down payment as low as 3.5%. FHA loans are for primary residences you plan to live in, not second homes or investment properties. They're a common first step into homeownership, and you don't have to be a first-time buyer to use one.
FHA's program rules set a 580 minimum score to put down 3.5%. If your score falls between 500 and 579, you may still qualify with a 10% down payment. These are national FHA requirements, not Arizona-specific ones — they're the same in Phoenix as anywhere else in the country. Individual lenders can layer their own stricter requirements on top, which is one reason it helps to work with a broker who can compare several. We'll tell you honestly where you stand before you apply.
FHA sets a maximum loan amount by county and on number of units. For 2026, FHA's single-family limit runs from a national floor of $541,287 to a ceiling of $1,249,125 in the highest-cost areas. Most Arizona counties sit at the floor. A few run higher because local median home prices are higher. Maricopa county has a limit of $557,750 for a single-family residence while Coconino County (Flagstaff, AZ) sits at $609,500 as a limit, the highest in the state. If the home you want costs more than your county's limit, we'll walk you through conventional options instead.
Yes. FHA loans carry two mortgage insurance premiums: an upfront premium of 1.75% of the loan amount, which is usually financed into the loan rather than paid at closing, and an annual premium added to your monthly payment. With the minimum 3.5% down, the annual premium stays for the life of the loan — refinancing later into a conventional loan is the usual way to remove it. That trade-off is often still worth it if it gets you into a home years sooner. We'll show you the real monthly numbers so you can compare.
Getting your initial options from Agave doesn't require a hard credit inquiry. Our quick quote asks you to estimate your own credit range, or we can run a soft pull. You get to see where you stand before any true credit inquiry. If you decide to move forward with a full application, we'll ask your permission first and explain exactly what happens next.
A licensed Agave loan officer reviews your information and reaches out to talk through your options, usually within minutes. You'll get real numbers to look at, an explanation of the tradeoffs, and a straight answer about whether an FHA loan is your ideal option or whether something else fits better. There's no obligation to move forward, and we don't sell your information or share it with other companies to market to you.
Disclaimer: By refinancing your existing loan, your total finance charges may be higher over the life of the loan. This is not a commitment to lend or an offer to extend credit. All loans are subject to credit approval, underwriting, and program guidelines. Not all applicants will qualify. Rates, fees, terms, and programs are subject to change without notice and may vary based on credit history, loan-to-value (LTV), property type, occupancy, loan amount, loan purpose, and other factors. Any rates, payments, or savings examples shown are for illustrative purposes only, are based on assumptions that may not apply to your situation, and are not a quote or guarantee of available terms. Your actual rate and payment will depend on your individual circumstances. Maximum LTV varies by loan program, property type, and occupancy, and stated LTV limits may not be available for all borrowers or programs. Additional restrictions, conditions, and requirements may apply. Contact us for a personalized quote.
Agave Home Loans offers low, competitive rates on a full range of mortgage products, including VA, FHA, conventional, jumbo, cash-out, HELOC, home equity, and more. Based out of Phoenix, Arizona, we help homeowners and homebuyers nationally to refinance, access home equity, and purchase. Our team is committed to an easy and online home loan experience at every milestone.
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