What is an FHA loan?
Quick Answer
An FHA loan is a mortgage insured by the Federal Housing Administration. Low down payment (3.5% with 580+ FICO; 10% with 500-579), flexible credit, but requires mortgage insurance (MIP) for the life of the loan if put down less than 10%.
Warren Team
Updated November 25, 2025
35
Warren Team
Updated November 25, 2025
35
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