Affordable, Flexible & Designed for You
Consider an FHA home loan that allows for down payments as low as 3.5% with a 580 FICO credit score.
As Low As 3.5% Down & Assistance Programs Available
Single & Multi-Family Homes
Often Lower than Conventional Loans
580 Credit Score Requirement*
The Federal Housing Administration (FHA) guarantees FHA mortgages and loans. This also means that the FHA insures them. Some of the requirements to qualify for an FHA mortgage include:
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Junior, CustomerFrom the start, I felt my loan officer had my best interests at heart. They were consistently attentive, supportive, and professional. Even in the final stages, their dedication was clear. I'm incredibly grateful for their guidance and would highly recommend them.
Paul, CustomerOur lender provided helpful information, kept us updated, and helped us navigate significant title delays. As an out-of-state client, close coordination and timely updates were key to our positive experience.
Explore quick, interactive quizzes to pinpoint a loan tailored to your needs. Where are you in your home financing journey?
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Estimated monthly payment for an FHA $180,000 30-year term fixed-rate mortgage with a 3.5% down payment at 7.915% Annual Percentage Rate (APR) would be $1,488. FHA loans also require mortgage insurance and mandatory escrows for taxes and homeowner’s insurance, which will increase the monthly payment. These payment examples do not include amounts for taxes, homeowner's insurance, and flood insurance (if required) and the actual payment will be greater. Payment examples are for illustrative purposes only and are subject to change.
1Loans subject to credit approval. Applicants must use promo code 250 when submitting an online mortgage application or when meeting with their Mortgage Loan Originator. The free $250 eGift Card applies to loan applications on single-family, 1-4 unit properties for first-lien residential purchase mortgage loans only. Offer available on loan applications with Loan Estimate disclosures dated May 15, 2026 – July 15, 2026. This does not include pre-approval applications. Two-time close construction loans are not eligible for this offer; however, single close construction loans are eligible. No minimum loan amount is required to receive the offer. Standard loan program details still apply. All applications are subject to approval under Midland's underwriting guidelines. eGift is provided only upon loan approval and closing. eGift will be emailed to customers within 14 business days after the closing date unless otherwise stated. eGift may be reported as taxable income and produce a 1099-MISC. eGift is limited to one per loan. No cash equivalent or transfer of prize is permitted. Offer subject to change without notice. Offer cannot be combined with any other discounts, promotions, or incentives, such as Perks@Work or Community Hero Mortgage Program.
