Compared to other home loans, FHA is typically the most flexible mortgage product with lower minimums for down payment and credit score, while allowing a higher debt-to-income (DTI) ratio. A FHA loan is typically the best home loan option for first time buyers who are not military veterans or the house is not in an eligible rural area designated by USDA.

GMFS Mortgage has funded over 17,900 FHA home loans


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FHA Home Loan Features

96.5% maximum financing

Upfront mortgage insurance required as well as a monthly amount for term of loan

Expanded qualifying ratios and flexible credit guidelines

FHA maximum loan amount varies by geographical area determined by FHA

No income limits or location restrictions

Can be used for purchases and refinance

FHA loan minimum credit score = 580

  • Click to Calculate Your FHA Loan Payment



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