FHA loans for your first door.
Government-backed financing with 3.5% down, credit scores from 580, and gift-friendly down payments — built for first-time buyers, credit rebuilders, and anyone the conventional box can’t fit.
Government-backed, borrower-focused.
An FHA loan is a mortgage insured by the Federal Housing Administration — a division of the U.S. Department of Housing and Urban Development (HUD). The FHA doesn’t lend money directly. Instead, it insures loans made by approved private lenders, reducing their risk and allowing them to offer more flexible terms to borrowers who might not qualify for conventional financing.
FHA loans are the most popular mortgage program for first-time buyers, borrowers with lower credit scores, or those with limited savings for a down payment. All FHA loans carry mortgage insurance regardless of down payment — an upfront MIP of 1.75% (typically financed into the loan) plus an annual MIP around 0.55% divided into monthly payments. Unlike conventional PMI, FHA MIP remains for the life of the loan when down payment is under 10%.
Three paths through FHA financing.
Purchase, streamline, or cash out — each built for a different moment in the ownership journey.
FHA Purchase
3.5% down with 580+ credit score. Gift funds, grants, and DPA accepted for down payment. Up to 96.5% LTV.
FHA Streamline Refinance
FHA-to-FHA refi with minimal paperwork — usually no appraisal, limited income documentation. Reduced upfront MIP for qualifying loans.
FHA Cash-Out Refinance
Refinance your existing mortgage and pull cash from home equity. Up to 85% LTV on cash-out transactions. FHA appraisal required.
FHA done right, first time through.
FHA works best when your broker knows which wholesale lender has the most flexible program for your specific scenario. Credit rebuilders get different options than first-time buyers carrying student loans. Manufactured homes get treated differently than townhomes. DPA-paired loans need specific investor approval.
We work with multiple FHA-approved wholesale lenders to match you with the right product and rate for your situation. From first application to closing, we simplify what FHA makes complex — with clarity at every step, and without pretending your profile fits a box it doesn’t.
Government-backed financing, built for accessibility.
Know before you borrow.
FHA guides, qualification scenarios, and credit rebuild strategies from our licensed loan officers.
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Tools to move from reading to action.
FHA payment calculator
Run the numbers on an FHA purchase or refinance — including upfront MIP, monthly MIP, principal, interest, taxes, and insurance.
Calculate Tool TwoGet pre-approved
Start your FHA pre-approval in under 30 seconds. A Lendmire specialist will follow up to finalize the details.
Start Tool ThreeBrowse programs
See every loan program Lendmire offers — from FHA to conventional to DSCR — and find the right fit.
BrowseCheck your FHA eligibility in about 30 seconds.
Review FHA financing options available for your home purchase or refinance. No commitment required.
Get Pre-Approved