FHA Loan Programs

The classic FHA-insured fixed- or adjustable-rate mortgage for buying a primary residence with as little as 3.5% down and flexible credit qualifying.

Down payments from 3.5% for qualified borrowers, credit-friendly qualifying guidelines, gift funds allowed for down payment and closing costs, and both fixed- and adjustable-rate options.

Pair your FHA loan with state, county, or approved non-profit down payment assistance (DPA) programs that provide grants or secondary financing toward your required down payment and closing costs.

Assistance can reduce or cover the 3.5% down payment, comes in the form of grants and forgivable/deferred second liens, and can be combined with seller-paid closing cost credits. We help identify programs you may qualify for.

A structured FHA solution that combines an FHA first mortgage with eligible assistance covering the entire down payment — allowing qualified buyers to purchase with little to no money down.

Little to no down payment out of pocket for eligible borrowers, keeps savings intact for emergencies and move-in costs, standard FHA credit flexibility applies, available with fixed-rate terms.

FHA's flagship program under Section 203(b) of the National Housing Act — the standard single-family purchase mortgage used by millions of American homeowners for 1–4 unit primary residences.

3.5% minimum down payment for qualified borrowers, financing on 1–4 unit owner-occupied properties, rental income from additional units may help you qualify, and the loan is assumable by a future qualified buyer.

FHA financing designed specifically for condominium units under Section 234(c), including units in FHA-approved projects and eligible single-unit approvals in non-approved communities.

Low down payment on condo purchases, single-unit approval options for select non-approved projects, standard FHA credit and income flexibility, and we verify project eligibility for you upfront.

A fast, simplified refinance for homeowners who already have an FHA loan — often with no appraisal, reduced documentation, and limited credit review, provided the refinance delivers a net tangible benefit.

No appraisal required in most cases, reduced income and credit documentation, faster closings than a traditional refinance, and reduced upfront mortgage insurance on eligible transactions.

Replace your current mortgage — FHA or not — with a new, larger FHA loan and receive the difference in cash, using flexible FHA qualifying to unlock the equity you've built.

Access equity up to FHA's loan-to-value limits, consolidate higher-interest debt into one payment, available even if your current loan isn't FHA, and credit-flexible qualifying guidelines.

Buy — or refinance — and renovate with a single loan. The 203(k) finances the purchase price plus repair and improvement costs in one mortgage, with Limited and Standard versions to match your project size.

One loan and one closing for purchase + renovation, Limited 203(k) for smaller projects and Standard 203(k) for structural work, loan amount based on after-improved value, and the low FHA down payment still applies.

The FHA-insured reverse mortgage for homeowners age 62 and older. Convert part of your home equity into cash, a credit line, or monthly payments — with no required monthly mortgage payment while you live in the home and meet program obligations (taxes, insurance, and upkeep remain your responsibility).

No monthly principal-and-interest payment required while program obligations are met, flexible payout options (lump sum, line of credit, monthly, or a combination), non-recourse protection so you never owe more than the home's value, and HUD-approved counseling required before applying.

A specialized FHA loan with payments that start lower and rise gradually on a set schedule — designed for borrowers whose income is expected to grow over the coming years.

Lower initial monthly payments, predictable pre-scheduled payment increases, multiple graduation plans to fit your income path, and standard FHA down payment and credit flexibility.

Special FHA financing for homeowners and renters whose homes were destroyed or seriously damaged in a Presidentially Declared Major Disaster Area — with 100% financing available to help families rebuild or relocate.

Purchase a replacement home or rebuild, can be combined with a 203(k) for reconstruction, and compassionate underwriting for disaster-related credit issues.