Did You Know?

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

What You Need to Know About FHA Loans and Pre-Approval

November 26, 2024Thinking about buying a home? One of the first things you'll want to consider doing is filling out forms to be pre-approved for your FHA mortgage. This means a lender looks at your finances to determine how much they will loan you and how much interest to charge.

Take Equity Out of Your Home in Cash with an FHA Refi Loan

November 25, 2024FHA mortgages include a refinance option that allows you to pull equity from your home in cash. The FHA cash-out refinance loan allows the borrower to take the difference between what remains to be paid on the home and the amount of equity built up.

When Deciding to Rent or Own Your Home

November 21, 2024The dream of homeownership is with some from a young age. But in an uncertain housing market, some grapple with the question: Is buying a home the right move for me? While renting offers relocation flexibility and lower upfront costs, homeownership provides a wealth of financial and personal benefits.

FHA Refinance vs. Conventional Loan Refinance

November 20, 2024Refinancing your mortgage offers a way to cash in on your home equity, potentially reduce your interest rate, or modify your loan term. Borrowers ready to consider have options including FHA loans and conventional loans.

The Optional Home Inspection

November 14, 2024A home inspection provides an unbiased, expert assessment of the property's condition, uncovering potential issues that might not be noticeable to the untrained observer. Add the home inspection to your to-do list for best results. Think of it as a comprehensive health check for your potential investment.

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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.