FHA Mortgage Program
FHA cash-out refinance options for primary residences with manual underwriting available.
Underwriting at a glance
- Minimum FICO
- 580+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- 80%
- Loan amount
- $75,000 - ?
- Documentation
- full-doc
- States
- most states
Highlights
- •80% LTV at 580 FICO
- •Manual underwriting available at 600 FICO
- •80% LTV for standard underwriting
- •75% LTV for manual underwriting
- •80% LTV available
- •Manual underwriting allowed for 600+ FICO
- •No minimum credit history with AUS approval
- •W2 only available
- •One FICO score allowed
- •80% LTV cash-out with 580 min FICO
- •Manual underwriting option available
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 8/10/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.