FHA Mortgage Program
FHA loan program with a minimum FICO score of 550, supporting Refer/Eligible findings and up to 101.5 CLTV.
Underwriting at a glance
- Minimum FICO
- 550+
- Max LTV (purchase / rate-term)
- 101.5%
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- full-doc
- States
- most states
Highlights
- •Minimum 550 FICO
- •Refer/Eligible findings accepted
- •Up to 101.5 CLTV
- •Minimum 550 FICO score
- •Refer/Eligible AUS findings accepted
- •Manual underwrites allowed
- •Up to 101.5% CLTV
- •Minimum 550 FICO score requirement
- •Minimum FICO score of 550
- •Refer/Eligible AUS OK
- •Up to 101.5 CLTV available
- •Refer/Eligible AUS accepted
- •Min 550 FICO
- •Refer/Eligible OK
- •100 and 101.5 CLTV options
- •Manual underwrites with 580 min FICO and 101.5% LTV
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 9/15/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.750%
6.789% APR
FHA
6.250%
6.282% APR
VA
6.250%
6.281% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.