MMC Logo
(866) 747-2882 Apply Online

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

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

Get Started!


Not ready to apply online? No problem. Answer a few questions, and a FHA Home Loan Mortgage Expert will call you back.

Request a Call Back
FHA Loan interest rates change on a daily basis. To receive a quick quote on current interest rates Click Here to receive an update interest rate quote.

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