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
July 14, 2025Home renovation loans allow borrowers to combine the cost of purchasing or refinancing a home with the expenses of renovations into a single mortgage. This approach is often more cost-effective and convenient than taking out multiple loans, which can come with higher interest rates and shorter repayment terms.
July 2, 2025The Federal Housing Administration (FHA) offers two different refinance programs for homeowners: the FHA Cash-Out Refinance and the FHA Streamline Refinance. They are designed for separate purposes and have distinct rules, so a homeowner's financial goal will almost always point clearly to one of them. Do you need a lower monthly payment or a better interest rate? Or are you looking to pull equity from your home in cash?
June 30, 2025Mortgage insurance is a home ownership expense you’ll need to budget and plan for in the early stages of your home loan journey. How much you pay may vary depending on the home loan you choose, and the duration of your payments may depend on how much you put down at closing time.
June 23, 2025How much money you can put down on a home affects your mortgage choices and long-term costs. How flexible is the home loan program you want to use? FHA loans have a minimum 3.5% down payment for those who qualify. Compare that to conventional loans of a similar nature to learn more about which loan type might be best for your needs.
June 18, 2025Once the initial move-in and adjustment period is over, you can start thinking like a long-term owner and plan ahead for the contingencies and repairs you’ll need to pay for as you go. Develop a simple maintenance calendar to remind you of recurring tasks like checking detectors (twice a year), cleaning gutters (spring and fall), and scheduling an annual HVAC service.
