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With Millennial Home Loans quick online loan application, determining if you qualify for a FHA Loan and for how much, has never been easier.

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FHA Loans.

Flexible Underwriting, Credit Scores Down to 580, High Debt-To-Income Ratios!

The most flexible low money down loan solution available, with no income or geographic eligibility restrictions

FHA Loan Program Benefits

  • Low 3.50% Down Payment Requirements
  • Down Payment Can Come from Cash-On-Hand and Flexible Sources Including Family Member Gifts and Loans Against a 401k Retirement Account
  • Flexible Credit Requirements, with Credit Scores Down to 550
  • Safe, Secure 30 Year Fixed Rate Mortgage or Lower Interest Rates with an Adjustable Rate Mortgage
  • Seller Closing Cost Assist up to 6% of the Purchase Price of the Home
  • Debt-To-Income Ratios as High as 56%
  • Most Property Types Allowed

FHA Loan Qualification Requirements

  • Down payments as low as:
    • 3.50% of the purchase price with a minimum 580 middle credit score
    • 10% of the purchase price with a minimum 550 middle credit score
  • No foreclosure or short-sales permitted within the last 3 years
  • No Chapter 7 bankruptcy within the last two years
  • Property must meet FHA appraisal guidelines
  • Loan limits based on maximum County income thresholds. Click here for loan limits in your area

Today's FHA Interest Rates

FHA Loan interest rates change on a daily basis.


To receive a quick quote on current interest rates

to receive an update interest rate quote.

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