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
April 14, 2026When you buy a home with an FHA mortgage or any other type of loan, there are certain disclosures your lender must provide you with to make sure you fully understand the costs involved, how much you are committing to, and what you must bring to the table on closing day. What do you need to know about these disclosures and why they are important? We examine some key points, but note that receiving these disclosures alone is not enough. The borrower must review them carefully to ensure there are no major changes to the amounts, terms, or conditions.
March 31, 2026The Federal Housing Administration (FHA) loan program is a major alternative to conventional loans, which often require a higher down payment. If you are buying your first home, chances are good that you've already learned about conventional home loan financing and higher down payment and higher credit score demands that some first-time buyers cannot meet.
March 30, 2026Preparation for an FHA mortgage starts long before you pick up a set of keys. Buying a home is the largest financial transaction most people ever make. For those considering Federal Housing Administration loans, the process offers a unique gateway to homeownership with lower down payments and flexible credit requirements.
March 25, 2026An FHA cash-out refinance is a type of refi loan that can help a homeowner to pay off their current mortgage and replace it with a new, larger FHA loan. This process enables the borrower to receive the difference between the two loan amounts in a lump sum of cash on closing day, after closing costs are paid and the original loan is paid in full. While this can provide immediate cash, it changes the terms of the entire debt, making it necessary to evaluate the interest rate environment and the long-term cost of borrowing.
March 24, 2026Credit reporting agencies play an important role in the home loan approval process. How much do you know about the consumer credit reporting industry and the specific mechanisms used by lenders to evaluate FHA mortgage applicants in 2026?
