Loan programs

FHA loan

A government-insured loan with low down payments and flexible credit guidelines.

Why it is hard

Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.

What to ask a loan officer

What minimum credit score do you accept for FHA, with or without overlays?
How do you handle FHA appraisal repair requirements?
What will mortgage insurance cost over the life of the loan?

Also called

fha, fha loan, federal housing administration, 3.5% down

Find a loan officer

Ranked loan officers by state and city are coming soon. Agents can query now: /api/v1/loan-officers?specialty=fha&state=FL or this specialty as JSON.