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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 Joint Loans for More Than One Borrower

September 8, 2025An FHA joint loan is a standard FHA-insured mortgage with more than one borrower. It is not a special type of loan. This arrangement allows several people to combine their income and credit to qualify for a home loan, making it a useful strategy for achieving property ownership. All borrowers share equal responsibility for the loan and co-own the property.

What to Remember About FHA Loan Limits

September 4, 2025Buying your first home? If so, you’ll want to know about FHA loan limits and why they vary from housing market to housing market. FHA loan limits are an important part of the FHA single-family home loan program. Did you know there are higher limits offered for borrowers buying multi-unit homes?

Frequently Asked Questions About 15-year and 30-year FHA Mortgages

August 28, 2025If you are buying your first home, you may wonder about the benefits of a shorter loan term. Does paying off an FHA loan in 15 years give you an advantage, financially? Much depends on your needs and goals. a 15-year FHA loan means higher monthly payments, and a 30-year FHA loan means lower payments but a more expensive loan compared to the 15-year option. Before deciding on one option or the other, it pays to know the details of both.

The Early Payoff Penalty For Some Home Loans

August 27, 2025A mortgage prepayment penalty is a fee that some lenders charge when a borrower pays off their loan, or a substantial portion of it, ahead of schedule. Lenders use this fee to recover the future interest payments they would have received if the loan were not paid off early.

The End of Your Home Loan Journey

August 26, 2025Getting to closing day for your FHA home loan is a big deal. You've saved, you've house hunted, and you've found the property you want to own. Before you can accept the keys and move in, there's a process leading up to closing day you must participate in, starting with the review of your closing documents, closing costs, and a final walk-through of the home.

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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.