Reviewed by Ahoo Khalessi, Division Manager & Loan Officer, NMLS #2239510 · Last updated June 2026
What is an FHA loan?
A mortgage insured by the Federal Housing Administration. Lender risk is reduced by FHA insurance, which is why down payment and credit requirements can be more flexible than conventional loans.
Who FHA loans are for
Buyers who want a lower down payment or have a credit profile that doesn't fit conventional guidelines. The home must be owner-occupied.
Why CTC Equity
We shop your FHA scenario across 160+ lenders to find the best combination of rate, fees, and qualifying flexibility.
Common questions
What credit score do I need for an FHA loan?+
FHA programs accept a wide credit range. The exact minimum depends on the lender and the down payment you bring.
Can I use an FHA loan for an investment property?+
No — FHA loans require the home to be your primary residence.
Does FHA require mortgage insurance?+
Yes. FHA loans carry upfront and annual mortgage insurance premiums; we'll compare the total cost against conventional options.
Related
Tell us your scenario. We'll find the option.
Access to 160+ lenders, nationwide and local. Real options in minutes — no full application to start.