FHA Mortgage Program
FHA streamline refinance program requiring no income documentation with FICO scores starting at 580.
Underwriting at a glance
- Minimum FICO
- 580+
- Max LTV (purchase / rate-term)
- 97.75%
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- no-income, 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, VT, WA, WI, WV, WY
Highlights
- •No income documentation required
- •Soft credit pull available upon submission
- •No income verification needed
- •No appraisal needed
- •Adjustable Rate Mortgage options available
- •Soft credit pull option available upon submission
- •Soft credit pull option available
- •Adjustable Rate Mortgage (ARM) options 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 8/25/2026. 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.