FHA Mortgage Program
FHA loan program designed for borrowers with no credit score or a credit score of zero, utilizing alternative credit documentation like rental payments to qualify.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- alt-doc
- States
- most states
Highlights
- •Qualify without a traditional credit score
- •Considers rental payments for qualification
- •Uses rental payment history for qualification
- •Available for borrowers with no credit score
- •Considers rental history and alternative credit data
- •Qualify for an FHA loan without a credit score
- •Consideration of rental payments and alternative credit history
- •Qualify for an FHA loan with no credit score or score of zero
- •Considers rental payment history and other alternative credit factors
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 9/21/2026. 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.