MIMIMUM FICO SCORE
- 580-620 with DTI limits
- 580 high balance with limits
DOWN PAYMENT
- 3.5% min borrower
OCCUPANCY
- Primary residence
FHA Loans
Don't have cash for a large down payment?
FHA loans have flexible qualifications and only requires a small down payment.
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- UPMIP financed
- Monthly mortgage insurance required
- 100% gift funds allowed
- Up to 6% seller contribution
The loan program referenced is subject to Preferred Rate's program minimum FICO and underwriting requirements, which may differ from those imposed by the FHA. Preferred Rate is a private mortgage lender authorized as an approved FHA direct seller servicer. This communication is not intended to indicate FHA endorsement or approval of any loan program.
Ready To Take The Next Step?
Whether you're dreaming of homeownership, looking to refinance for better terms, or simply exploring your options, our Brentwood branch is here to help you move forward with confidence. Our experienced mortgage professionals are committed to guiding you through every stage of the process with clarity, care, and personalized support. Choose the path that fits your needs below - and let's make your goals a reality.
