FHA Mortgage Program
FHA purchase loan program for primary residences with flexible credit requirements and options for manual underwriting.
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
- AZ, CA, GA, IL, MA, MO, RI, NJ, VA, AK, AL, AR, CO, CT, DC, DE, FL, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MN, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, WA, WI, WV, WY, VT
Highlights
- •550 FICO with 90% LTV
- •580 FICO with 96.5% LTV/CLTV
- •Manual underwriting available with max 43% DTI
- •Adjustable Rate Mortgage options available
- •3 months PITIA reserves for 3-4 unit properties
- •Non-occupant co-borrower allowed
- •Manufactured homes allowed
- •Adjustable rate mortgage options available
- •Non-Occupant Co-Borrower allowed
- •Manufactured Homes allowed
- •Non-occupant co-borrowers allowed per FHA guidelines
- •550 FICO with 90% LTV available
- •580 minimum FICO with 96.50% LTV/CLTV
- •Non-Resident Aliens eligible
- •1-4 units for primary residence only
- •Loan amounts starting at $75,000
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 9/2/2026. 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.