Government-Backed

FHA Loans

Flexible financing for first-time buyers and those with lower credit scores. Down payments as low as 3.5%.

Get Pre-Approved

Why Choose an FHA Loan?

FHA loans are insured by the Federal Housing Administration, making them accessible to borrowers who might not qualify for conventional financing.

3.5% minimum down payment

Credit scores from 580+

Gift funds allowed

Higher debt-to-income ratios

Assumable mortgages

Streamline refinancing

FHA Loan Requirements

Minimum Credit Score 580 (500 with 10% down)

Down Payment 3.5% minimum

Debt-to-Income Ratio Up to 50%

Mortgage Insurance Upfront + Annual MIP

Property Type Primary residence only

Eligibility Guide

Who Qualifies for an FHA Loan?

Credit, gift funds, employment, student loans, DTI, and property standards — here are the key factors that determine whether you qualify for an FHA loan with The 2 Mortgage Guys.

Quick FHA Snapshot

580+ for 3.5% down
Gift funds welcome
Manual underwriting available
Flexible DTI with compensating factors
Nationwide lender in all 50 states

Check My Eligibility

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FHA Mortgage Calculator

See what your monthly payment could look like with an FHA loan. Includes principal, interest, taxes, insurance, and FHA mortgage insurance.

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Get Pre-Approved

This calculator is for informational purposes only. Results are estimates and are not exact — they do not include all closing costs, prepaid interest, or escrow deposits. Contact us for a personalized quote.

Renovation Financing

Found a fixer-upper? Buy and renovate with one FHA loan — as little as 3.5% down. Standard for major work or Limited Streamline for updates up to $75,000.

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Mortgage Knowledge Center

Common FHA Loan Questions

Straight answers to the questions buyers ask us most — from down payments and MIP to credit, multi-unit properties, and refinancing.

What Is an FHA Loan? Who Qualifies for FHA Financing? What Is the Minimum Credit Score for FHA? Can I Buy With 3.5% Down on FHA? What Is FHA Mortgage Insurance? How Long Does FHA MIP Last? Can FHA MIP Be Removed? Can I Refinance Out of FHA? What Are FHA Loan Limits? Can I Use Gift Funds on an FHA Loan? Can Family Help With My FHA Down Payment? What Debt Ratio Does FHA Allow? How Does FHA Calculate Student Loans? Can I Qualify After Bankruptcy for FHA? How Long After Foreclosure for FHA? Does FHA Allow Manual Underwriting? What FHA Repairs Are Required? What Is an FHA Appraisal? Can I Buy a Fixer-Upper With FHA? What Is an FHA 203(k) Loan? Can I Buy a Multi-Family Property With FHA? Can I Buy a Duplex With FHA? Can I Buy a Triplex With FHA? Can I Buy a Four-Unit Property With FHA? Can I Finance a Manufactured Home With FHA? Can I Refinance With FHA? What Is an FHA Streamline Refinance? What Is an FHA Cash-Out Refinance? Does FHA Require Reserves? Can I Qualify With Collections on FHA? Can I Qualify With Low Credit on FHA? Can Overtime Count for an FHA Loan? Can Commission Count for an FHA Loan? Can I Qualify With Part-Time Income on FHA? Can I Buy After a Short Sale With FHA? What Documents Are Required for an FHA Loan? Is FHA Better Than Conventional?

Ready to Explore FHA Financing?

Let The 2 Mortgage Guys find the best FHA loan for your situation.

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