FHA Home Loan Programs

FHA Purchase

FICO Down to 550
  • 96.5% LTV, 105% CLTV @ 580 FICO+​
  • 90% LTV at 550 FICO+​
  • 1 - 4 Units​
  • No FICO Option​
  • DTI to AUS Approval​
  • 43% DTI Max on Manual U/W​
  • Loan Amounts Starting at $75,000​
  • Non-Resident Alien OK​

FHA Streamline

FICO Down to 580
  • No Income Amount Required On Application
  • No Appraisal
  • 1 - 4 Units​
  • Manual U/W Available
  • Prior FHA Loan Required
  • Quick and Easier than typical Refinances
  • Can Require Less Documentation

FHA Refinance

No Cash Out
  • 97.75% LTV, 580 FICO+
  • 90% LTV, 550 FICO+
  • 1 - 4 Units​
  • Manual U/W Available
  • Prior FHA Loan Required

FHA 2024 County Loan Limits

View the Max Loan Amount for FHA


LoanStream is accepting submissions for qualifying FHA Loans submitted and scheduled to close on or after Wednesday, March 1, 2023. These loans are eligible to receive the annual MIP Reduction.

HUD recently announced a 30 basis-point reduction to the FHA Annual Mortgage Insurance Premium (annual MIP) rates charged to homebuyers who obtain an FHA-insured mortgage.

Take advantage of this opportunity to potentially qualify more borrowers with this reduction offered by HUD!

The reduction is effective for mortgages endorsed for insurance by FHA on or after March 20, 2023.

The FHA annual MIP reduction applies to all eligible property types, including:

  • Single family homes
  • Condominiums
  • Manufactured homes
  • All eligible loan-to-value ratios
  • All eligible base loan amounts

 Refer to the current Mortgagee Letter for qualifying programs and exceptions.