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 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.
July 29, 2025The FHA helps people become homeowners by insuring loans that lenders issue. This allows those lenders to offer mortgages with lower down payments and more flexible credit rules. Borrowers who can't afford the larger down payments or meet the higher credit requirements of some conventional mortgages turn to FHA loans as a more affordable alternative.
July 28, 2025Of all the rhythms in the American real estate market, few are as consistent as the late-year announcement of new home loan limits. Every year, typically in December, the FHA releases a schedule detailing the maximum mortgage amount it will insure for single-family homes in every county across the United States.
July 23, 2025The FHA and HUD have made multiple policy changes in 2025, including the elimination of eligibility for certain non-residents for FHA loan programs such as the FHA streamline refinance option. These changes affect both new borrowers and those with existing FHA mortgages.
