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Government-backed mortgages with 3.5% down payment and flexible credit requirements. Perfect for first-time buyers and those with lower credit scores. Get pre-qualified in minutes.
Comprehensive FHA loan resources organized by topic. Navigate through our complete collection of FHA loan programs and guides.
Buy your home with just 3.5% down payment and flexible credit requirements.
You are hereRefinance your existing FHA loan with minimal paperwork and no appraisal required.
Learn MoreFinance both home purchase and renovation costs in a single FHA loan.
Start RenovatingFund energy-saving home improvements with your FHA loan financing.
Save EnergyExplore FHA loan limits by county and understand maximum borrowing amounts.
View LimitsEstimate your monthly payments, MIP costs, and total loan costs with our FHA calculator.
Calculate NowAll FHA loan programs are government-backed mortgages designed for first-time homebuyers and borrowers with lower credit scores.
Compare with other loan typesEverything you need to know about FHA loans and requirements
Navigate to any section to learn more about FHA loans
What they are and how they work
Credit scores and qualifications
Calculate your monthly payments
Real people, real results
Maximum loan amounts by area
Market trends and tips
Renovation and energy loans
Start your FHA loan journey
Click any section above to jump directly to that part of the guide. Use our FHA calculator to estimate your monthly payments and see if FHA is right for you. Each section contains comprehensive information to help you make informed decisions about your home loan.
FHA loans are government-backed mortgages designed to help homebuyers achieve homeownership with flexible requirements and low down payments.
As low as 3.5% with 580+ credit score, or 10% with 500+ credit score
More lenient credit score requirements compared to conventional loans
Debt-to-income ratios up to 57% with compensating factors
FHA insurance protects lenders, allowing more flexible terms
Get pre-qualified to understand your borrowing power and requirements
Work with a real estate agent to find a home that meets FHA standards
Complete your FHA loan application with required documentation
FHA underwriter reviews your application and schedules closing
FHA loans are assumable, meaning future buyers may be able to take over your loan with its original terms and interest rate. This can be a significant advantage when selling your home in a high-rate environment.
Estimate your monthly payments including principal, interest, and mortgage insurance
Estimate your monthly payments including principal, interest, and mortgage insurance
Minimum 3.5% required for FHA loans
Consider 5%+ down to reduce MIP rate
Save on monthly MIP payments
Updated FHA loan limits for 2026 - higher limits to reflect current market conditions
FHA loan limits increased for 2026 to reflect rising home prices nationwide. The minimum limit rose from $524,225 to $541,275 (3.26% increase), while high-cost area limits increased to $1,263,675 for single-family homes. These higher limits make FHA loans more accessible in expensive markets.
Real borrowers who achieved their homeownership dreams with FHA loans
Austin, TX
First-time buyers with 620 credit scores who thought homeownership was out of reach. FHA's 3.5% down payment made it possible.
"We never thought we could buy a home with our credit scores. FHA made our dream come true!"
Phoenix, AZ
Single mother with 580 credit score who qualified for FHA with just 3.5% down payment.
"As a single mom, I needed every advantage. FHA gave me the opportunity to provide stability for my family."
Denver, CO
Young professionals with student debt who used FHA's flexible DTI requirements to qualify.
"Our student loans made conventional loans difficult. FHA understood our situation and worked with us."
Join thousands of borrowers who have achieved homeownership with FHA loans. Your success story starts with a simple pre-qualification.
Start Your FHA Journey TodayStay informed with the latest FHA loan trends and expert recommendations for 2025
Even small credit score improvements can reduce your down payment requirement
Start saving early - even 3.5% down requires significant preparation
Have pay stubs, tax returns, and bank statements ready for faster processing
Work with agents familiar with FHA property requirements
Our FHA specialists are here to guide you through every step of the process. Get pre-qualified today and discover your homeownership options.
Join thousands of borrowers who have successfully purchased their homes with FHA financing through National Mortgage Center
Get pre-approved for your FHA loan in as little as 24 hours
Work with licensed FHA specialists who understand the program
Access to competitive FHA interest rates and terms
* Pre-qualification subject to credit and income verification. FHA loans require mortgage insurance. Terms and conditions apply.
Browse our complete collection of FHA loan options
Refinance your existing FHA loan with minimal paperwork and no appraisal required.
Learn MoreFinance both home purchase and renovation costs in a single FHA loan.
Start RenovatingFund energy-saving home improvements with your FHA loan financing.
Save EnergyExplore FHA loan limits by county and understand maximum borrowing amounts.
View LimitsCalculate your monthly payments, MIP costs, and total loan costs.
Calculate Now