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
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.
June 17, 2025Your moving boxes are unpacked, and the closing papers are filed away. You're all moved in and settling into your life as a new homeowner. But financially speaking, some are still transitioning from renting to buying. There are some essential things to remember as you jump from renting to owning, and many involve saving money for future contingencies.
June 16, 2025If you have closed the deal on your FHA home loan and are looking forward to moving into your new home, there are a few things to know before the movers come. What should you anticipate encountering inside your new home in the first 30 days of home ownership? We answer some key questions.
