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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

How's Your Credit, House Hunter?

May 30, 2025Preparing credit for a home loan raises many questions for the typical house hunter. How much do you know about preparing your credit for an FHA home loan application? We explore some important issues here, but the key factor is having enough time to adjust your credit habits and give the credit reporting process a chance to catch up with your new approach.

Why Some Cash-Out Refinance Loans Are Denied

May 29, 2025An FHA cash-out refinance allows homeowners to borrow against their home equity. It replaces their current mortgage with a new, larger one; the borrower then receives the difference between the two loan amounts in cash. But these refinances have unique requirements borrowers need to consider on their way to filling out the application.

Paying Off Your Mortgage Early

May 21, 2025Buying a home is a major financial milestone. Paying off a mortgage in full is another one. Some borrowers are content to make the exact payment required and ride their mortgage out for the full term or until they refinance it. Others want to pay more and pay off their mortgage as early as possible. Several strategies can speed up the process for those who find the benefits of early payoff more attractive.

FHA Loans and Pest Control Issues

May 20, 2025If you are buying a home with an FHA mortgage, you’ll want to learn how the Federal Housing Administration (FHA) addresses termite and other wood-destroying pest issues that might be associated with the new property. How much do you know about termites and other wood-destroying pests? You could save time and money by knowing key details ahead of time.

When Your Dream Home Gets Appraised

May 19, 2025When you get ready to commit to buying your dream home, the FHA appraisal is necessary to make certain the house you want is suitable for the loan and to know its actual fair market value. There are many issues to consider, and the FHA appraisal process is designed to address them, as we'll explore.

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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.

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FHALoan.com is not a government agency. We do not offer or have any affiliation with loan modification, foreclosure prevention, payday loan, or short term loan services. Neither FHALoan.com nor its advertisers charge a fee or require anything other than a submission of qualifying information for comparison shopping ads. We do not ask users to surrender or transfer title. We do not ask users to bypass their lender. We encourage users to contact their lawyers, credit counselors, lenders, and housing counselors.