The Federal Housing Administration (FHA) runs several lending programs that can help homebuyers with limited credit or income, including first-time homebuyers. Government-insured FHA home loans – which come as fixed-rate or ARMs – offer affordable interest rates, a low minimum credit score and a down payment as low as 3.5 percent. 

Benefits of an FHA loan:

  • As low as 3.5% down (10% down based on your credit score)
  • Financing for manufactured homes
  • Multi-family up to four units, owner occupied purchase & refinance
  • Lender credits - you could save thousands
  • Streamline refinance

Borrower requirements for an FHA loan:

  • 580 minimum credit score*
  • Debt-to-income ratio of 50% or less
  • Two established credit accounts (examples: a credit card and a car loan)

*with compensating factors

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