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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 2025

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

Your Questions Answered About FHA Loans and Student Debt

For many college graduates, student loan debt is a concern. A common question is how this debt impacts the ability to buy a home. This Q&A explores the relationship between student loans and FHA loan approvals. How much do you know about how your student loan debt affects your ability to be approved for a mortgage?

FHA Loans Q and A: How Do They Compare To Conventional Mortgages?

Choosing between FHA and conventional home loans can be daunting for some first-time home buyers. What are the concerns between these two programs, and what does each one offer the borrower? We examine some of the key issues in our question-and-answer session about FHA mortgages versus conventional loans.

The FHA Commitment to Fair Housing

Established in 1934 as part of the National Housing Act, the FHA's primary mission is to stimulate the housing market by providing mortgage insurance to lenders. This insurance reduces the risk associated with lending to borrowers who may otherwise be considered higher risk, encouraging lenders to offer more favorable terms, such as lower down payments and more flexible credit requirements. A key element of the FHA program is its commitment to fair housing, which is deeply rooted in the Fair Housing Act.

Test Your Knowledge: Title Searches and FHA Home Purchases

How much do you really know about the home buying process? One major factor in protecting your new investment is knowing how the title search process works and why you need to have one done. This quiz will assess your comprehension of what a title search entails, why it's so important when using an FHA loan, and how it protects you as a buyer. From identifying potential liens to guaranteeing clear ownership, a title search plays a critical role.

Questions and Answers About FHA Refinance Loans

FHA residential refinance loans, insured by the Federal Housing Administration, allow homeowners to refinance their existing mortgages. They potentially have more flexible qualification requirements than conventional loans. FHA refi loans can lower monthly payments, shorten the loan term, consolidate debt, or even access cash for home improvements or other needs. Understanding the eligibility criteria and different refinance options is crucial for homeowners considering this option.


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.

Organize Your Finances

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.

Learn About Homeowner Costs

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.

Monitor Your Credit Score

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.

Address Your Credit Problems

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.

Find the Right Home

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.

Make an Offer on the Home

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.

Don't Skip the Inspection

Get Ready to Close

Mortgages are complex transactions. Understanding all the forms and disclosures is an important part of responsible home ownership.

Get Ready to Close on Your Home
See Your Credit Scores From All 3 Bureaus
See Your Credit Scores From All 3 Bureaus

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.

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