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 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.
June 12, 2025What's an appraisal gap? This is an issue FHA borrowers face when the professional appraisal of a home comes in at a value lower than the price the buyer has agreed to pay. For example, a buyer might agree to purchase a home for $325,000, but the appraiser, who is an independent third party hired by the lender, determines the fair market value is only $310,000.
June 11, 2025Getting an FHA home loan following the discharge of bankruptcy is not impossible, but it pays to know a few key facts before you commit. Did you know there’s a mandatory waiting period all borrowers must sit through before applying for a new FHA loan after a Chapter 7 bankruptcy?
June 9, 2025Have you filed a Chapter 13 bankruptcy? If you have at least 12 payments made towards your bankruptcy plan, you may qualify to apply for a new FHA loan as long as the court approves. Otherwise, you may be required to wait out a seasoning period following the discharge of the bankruptcy.
