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Lower credit profiles
FHA
Backed by the Federal Housing Administration. Lower down payments and more flexible credit requirements.
An FHA loan is backed by the Federal Housing Administration, making it a popular choice for buyers with a lower credit profile or a smaller down payment. You can often buy a home with as little as 3.5% down.
FHA loans can also be used to refinance an existing mortgage. Because the government insures part of the loan, lenders can offer more flexible qualification requirements than many conventional programs.
Ready to see if FHA is the right fit for you?