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
- most states
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
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 5/11/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.500%
5.531% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.