Financing/FHA
FHA Full Doc 30 Year Mortgage
FHA is the agency route when you want to buy or refinance a home you’ll live in—lower cash-to-close than many conventional paths, with underwriting that follows published FHA rules instead of guessing.
Program snapshot
Loan amount
Capped by FHA county limits
LTV (purchase)
Up to 96.5% on purchase
LTV (cash-out)
Cash-out LTV up to 85%
Credit score
580 minimum
Occupancy
Primary residence only
Program guidelines
Published product parameters for this program. Final terms depend on underwriting, collateral, and documentation.
Loan purpose
- Purchase a primary residence
- Refinance an eligible primary home
- Support qualified buyers seeking an accessible residential financing path
Loan term
- 30-year fixed-rate amortization
- 15-year fixed-rate amortization
Loan amount
- Cannot exceed FHA county loan limits for the subject property
Loan to value (LTV)
- Purchase transactions: LTV may reach 96.5%
- Cash-out refinance: LTV may reach 85%
Minimum credit score
- 580
Property type
- Owner-occupied primary residences only
Eligible property types
- 1–4 unit dwellings
- Condominiums on the FHA/HUD approved list
Eligible borrowers
- U.S. citizens and permanent resident aliens
- Non-permanent resident aliens
Key features & detail
Three FHA realities every borrower should budget for—none of which change the underlying agency math.
- FHA guidelines may allow down payments as low as 3.5% for eligible borrowers.
- Guidelines emphasize flexibility relative to many conventional programs—still fully documented (full doc).
- FHA mortgage insurance is mandatory for loans that require it under agency rules.
Need help choosing a program?
Share the property, timeline, and target proceeds—we will map the fit before you invest in a full file.
Illustrative only. Availability, pricing, and documentation depend on the property, the borrower, and credit approval. This page is not a commitment to lend.