FHA Mortgage Program
FHA purchase loans for primary residences with flexible credit requirements starting at 550 FICO.
Underwriting at a glance
- Minimum FICO
- 550+
- Max LTV (purchase / rate-term)
- 96.5%
- Max LTV (cash-out)
- -
- Loan amount
- $75,000 - ?
- Documentation
- full-doc
- States
- most states
Highlights
- •90% LTV at 550 FICO
- •96.50% LTV at 580 FICO
- •96.50% LTV available for 580+ FICO
- •90% LTV available for 550+ FICO
- •Manual underwriting available
- •ARMs option available
- •3 months PITIA reserves for 3-4 unit properties
- •550 Min FICO at 90% LTV
- •580 Min FICO at 96.5% LTV
- •550 FICO at 90% LTV
- •580 FICO at 96.5% LTV
- •Manual underwriting allowed
- •No minimum credit history with AUS approval
- •Blended ratios with non-occupant co-borrower
- •W2 only available
- •One FICO score allowed
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.