FHA Mortgage Program
FHA and VA loan programs available with credit scores as low as 500, including options for no credit score and streamlined refinances with no income or employment verification.
Underwriting at a glance
- Minimum FICO
- 500+
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- -
- States
- most states
Highlights
- •FHA and VA down to 500 score
- •No score available
- •VA IRRRLs and FHA Streams with no income or employment verification
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 5/14/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
5.875%
5.906% APR
FHA
5.375%
5.405% APR
VA
5.375%
5.402% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.