FHA Loan Programs
FHA offers more than one mortgage. Explore the programs below to find the right fit.
FHA 203(k) Renovation Loan
Finance the purchase and rehab of a home in a single FHA loan.
FHA Limited 203(k) Loan
Up to $35,000 in non-structural repairs rolled into your FHA mortgage.
FHA Streamline Refinance
Refinance an existing FHA loan to a lower rate with reduced documentation.
FHA Cash-Out Refinance
Tap your home equity up to 80% LTV with an FHA cash-out refinance.
FHA Rate-and-Term Refinance
Lower your rate or change your term on an FHA loan.
FHA Simple Refinance
A straightforward FHA-to-FHA refinance with a new appraisal.
FHA 203(b) Loan
The standard FHA purchase loan with 3.5% down.
FHA Loan for Condos
Buy an FHA-approved condominium with low down payment.
FHA Loan for Manufactured Homes
FHA financing for manufactured and modular homes.
FHA Loan for Multi-Family (2-4 Units)
House-hack a duplex, triplex, or fourplex with FHA financing.
FHA Energy Efficient Mortgage (EEM)
Finance energy-saving improvements into your FHA loan.
FHA Good Neighbor Next Door
50% off HUD homes for teachers, police, firefighters, and EMTs.
FHA $100 Down Program
Buy a HUD-owned home with just $100 down.
FHA Construction-to-Permanent Loan
Finance new construction and convert to a permanent FHA loan.
FHA Kiddie Condo Loan
Co-borrow with a family member as an owner-occupant.
FHA 203(h) Disaster Victims Loan
100% financing for homeowners in declared disaster areas.
FHA Graduated Payment Mortgage
Lower initial payments that rise over time.
FHA Section 245(a) Loan
Flexible payment options for borrowers expecting income growth.
FHA Loan for New Construction
FHA financing options for newly built homes.
FHA Loan for Investment House-Hacking
Live in one unit and rent the others with FHA financing.
FHA Reverse Mortgage (HECM)
FHA-insured home equity conversion mortgage for seniors 62+.
FHA Loan With a Temporary Buydown
Reduce your rate for the first 1-3 years with a buydown.
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