FHA Home Loans

Low down payment loan options and competitive rates.

First-time homebuyer? Less-than-perfect credit? Or looking for a low down payment mortgage loan option?  If the answer is “yes,” you may want to consider an FHA loan from First Internet Bank.

FHA home loans are loans insured by the Federal Housing Administration (FHA). With flexible lending requirements and a lower down payment (as low as 3.5%), FHA loans offer an alternative to conventional loans. Talk to one of our loan officers today to learn more about our fixed and adjustable rate options.

  • Low down payment options as low as 3.5%
  • Flexible lending requirements for credit score and debt-to-income ratio
  • Typically has lower interest rates
  • Requires monthly mortgage insurance

Don’t just take our word for it

“The process went smoothly with personal interaction from First IB personnel at each step – application, document collection, review and final approval. The online document collection was very efficient, and the loan processor and staff were most attentive to make sure that nothing fell through.”

– Bog, Lending Tree Review

Talk to us about pre-approval

Getting pre-approved shows realtors and buyers that you’re a serious, credible buyer, which can give you an advantage over other buyers interested in the same home.

To get started, simply apply online (anytime, anywhere, no appointment needed). Once we receive your application, we’ll connect you to one of our experienced loan officers, who will help you choose the right loan option.

get pre-approved

Questions? Chat with a loan officer.

We would love to chat. Get in touch however you feel most comfortable.



Resources, insights and information

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Loan Options

First Internet Bank offers a variety of mortgage loan programs with competitive interest rates.


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Loan Officers

Speak with a registered loan officer to find the funding option that works best for your situation.


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Today’s Mortgage Rates

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First-Time Homebuyer Tips

Read 8 helpful tips to consider.



Applications are subject to credit approval.