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
August 25, 2025What determines the final price of a house? Many house hunters ask, but if you are new to the process, you need to understand some of the factors that apply when it comes to assigning a value to a home based on the variables that can affect that value. What helps the seller set the asking price on their home?
August 22, 2025When a natural disaster strikes, homeowners with FHA mortgages have access to immediate assistance, which often comes from the Federal Emergency Management Agency, also known as FEMA. However, for FHA homeowners, the path to a full recovery involves a wider range of federal support. How many non-FEMA disaster recovery resources do you know? The amount of help available may surprise you.
August 20, 2025Buying a home is one of the most important financial steps you'll ever take. Find a house you love, you make an offer, and the seller accepts. But what if the house isn't actually worth the asking price? For homebuyers using a loan from the Federal Housing Administration (FHA), there's a consumer protection tool designed to answer that question.
August 19, 2025The final price of a home is influenced by its market desirability and its compliance with standards for safety, security, and structural soundness. How much will your FHA home loan be? Much depends on some of these factors as they are viewed during the appraisal process, but not all. We examine some important issues.
August 18, 2025When the economy slows, it often results in lower long-term interest rates, including those for mortgages. This happens because a cooling economy reduces the risk of high inflation and increases the likelihood that the Federal Reserve will act to stimulate growth. Financial markets anticipate these moves, which push down the key benchmarks that lenders use to set mortgage rates.
