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Whether you're a first-time homebuyer or want to refinance your current mortgage, there is a low down payment FHA program that's right for you.

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FHA Loan Requirements for 2026

580 Credit Score -and- 3.5% Down Payment

The FHA loan program lets you purchase a home with a low down payment and flexible guidelines. FHA refinance mortgages are a great option for those who want to lower their monthly mortgage payment or consolidate their bills.

See how we make the American dream a reality. Whether you're a first-time homebuyer moving to a new home, or want to refinance your existing conventional loan to an FHA mortgage, there's an FHA program suited to your needs. With no income limits or credit scoring, many people who can afford the monthly mortgage payments and have reasonable credit will qualify for an FHA mortgage.

FHA Loan Articles

History of the Good Faith Estimate

August 31, 2026First-time homebuyers stepping into today's housing market sign closing paperwork required by federal consumer protections that took over forty years of regulatory battles, legal overhauls, and paperwork redesigns to build. Everyone buying a single-family house today with a forward mortgage receives a modern Closing Disclosure three business days before signing their final loan paperwork.

FHA Loans After Chapter 7 or Chapter 13 Bankruptcy

August 27, 2026Getting a home loan after a Chapter 7 or Chapter 13 bankruptcy isn't easy, but it is possible, thanks to FHA loan rules found in HUD 4000.1. Typically, you'll need to wait out a minimum time called a seasoning period before you're allowed to apply for new credit, and FHA loan rules say the lender must review your new credit established in the meantime as a condition of loan approval. What do you need to know about getting an FHA mortgage after bankruptcy?

FHA Reverse Mortgages for Borrowers With No Heirs

August 24, 2026A reverse mortgage lets homeowners age 62 or older, with or without heirs, cash out their home equity without taking on a monthly mortgage payment. The FHA Home Equity Conversion Mortgage lets qualifying borrowers take equity in cash with loan balance due only after the borrower dies, moves out, or sells the house. Is this type of loan right for someone who has no heirs to inherit the home?

FHA or Conventional for Borrowers With Down Payment Reserves

August 19, 2026Homebuyers who have enough cash for a down payment still need to consider their full financial picture before choosing between a conventional mortgage and an FHA loan. Having cash on hand changes the math for both options, but savings alone won't make a conventional loan the automatic winner. Credit scores, current debt, and the type of property you want to buy all determine which loan will cost less over time.

Home Loan Options for First Time House Hunters

August 13, 2026Looking for a new home? Choosing the right mortgage is an important early step in your journey toward homeownership. There are many options, depending on your circumstances. You may qualify for conventional financing, an FHA mortgage, a USDA loan, or even a zero-down VA mortgage. Finding the right match depends heavily on credit, location, and the size of your down payment.

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Organize Your Finances

Set money goals and develop a plan to reach them. Decide what's important to spend on, then save the rest and build a nest egg for a down payment on a home.

Learn About the Costs

Get informed about mortgages from several lenders or brokers. Know how much of a down payment you can afford, and find out about the costs involved.

Monitor Your Credit

Your credit report is based on the bill payments you have missed or have been late paying, loans that you have paid off, plus your current amount of debt.

Address Credit Issues

Look at your debt-to-income ratio, maintain satisfactory payments for at least one year, and challenge unfair or erroneous entries on your credit report.

Find the Right Home

As you narrow down your home choices, go beyond the surface appearance and look carefully at each house. Be sure to examine the physical details and construction.

Make an Offer

Your agent will draw up a contract and submit a formal purchase offer to the seller's agent. This will include the purchase price and your terms and conditions.

Don't Skip the Inspection

A thorough home inspection can give you a more complete understanding of the home's condition and possibly reveal problems that you can't see.

Get Ready to Close

Mortgages are complex transactions. Understanding all the forms and disclosures is an important part of responsible home ownership.

See Your Credit Scores From All 3 Bureaus

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