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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

FHA Cash-Out Refinance vs. Home Equity Line of Credit

January 22, 2025Consider this scenario: you've been in your home for five years or more, and you've likely built up a significant amount of equity. Now, you might be wondering how to put that equity to work for you. Two choices are an FHA cash-out refinance and a home equity line of credit (HELOC).

Is an FHA Streamline Refinance Loan a Viable Option in 2025?

January 20, 2025The FHA Streamline Refinance offers a refinance option for those who don't want to cash in on their property's equity, but instead want a lower payment or interest rate or who need to get out of an adjustable rate mortgage. We'll explore how the program works.

How Many FHA Loans Can I Have at Once?

January 16, 2025There are a few situations where having more than one FHA loan might be possible. If you have to move and can't sell your old place, you might be able to get a new FHA loan for your new home. Also, if you're going through a divorce or separation, each person might be able to get their own FHA loan.

Buying a Condo with an FHA Mortgage

January 15, 2025Buying a condo with an FHA loan is an option some don’t consider initially, but it’s worth adding to your list of potential property types. FHA loans for condo units traditionally require condo projects to be on or added to the FHA-approved list.

Non-Financial Factors That Affect Home Loan Interest Rates

December 30, 2024When applying for an FHA loan, lenders will consider more than just your credit scores and history. They also look at other factors affecting your risk profile and the interest rate they offer you. Your employment history is another factor. A stable job with consistent income shows lenders you're reliable.

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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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