FHA Mortgage Program
FHA mortgage program for purchase and refinance transactions offering flexible credit requirements, including manual underwriting and options for lower credit scores.
Underwriting at a glance
- Minimum FICO
- 550+
- Max LTV (purchase / rate-term)
- 96.5%
- Max LTV (cash-out)
- 80%
- Loan amount
- $75,000 - ?
- Documentation
- full-doc
- States
- most states
Highlights
- •Purchase up to 96.5% LTV with 580 FICO
- •Manual underwriting allowed
- •No minimum credit history with AUS approval
- •Blended ratios with non-occupant co-borrower
- •Adjustable rate mortgage options available
- •550 FICO at 90% LTV for purchase
- •90% LTV available with 550 FICO
- •96.5% LTV available with 580 FICO
- •580 FICO at 96.5% LTV for purchase
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 7/3/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.500%
5.531% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.