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We have funded $100 billion in home loans for over 255,000 customers like you

FHA loans

We are making homeownership even easier with FHA loans

A Federal Housing Administration (FHA) loan is a home mortgage insured by the government to help hardworking homebuyers.

3.5% minimum down payment for FHA loans through Better Mortgage*

You pay zero hidden lender fees and zero commissions. Always.

580 Minimum credit score to apply for FHA loans through Better Mortgage.

Get pre-approved with no hard credit check. Insured by the Federal Housing Administration.

See if you qualify

Questions about FHA? We're here 24/7. Call now | (888) 532-0631

What else makes us Better

Low rates that could 
save you thousands

Close 10 days faster 
than industry average

Apply 100% online, with

24/7 support

Get pre-approved in as 
little as 3 minutes

Apply now

Better Mortgage took the inherent complexity and made it 10x more clean and simple.”

David B, Better Mortgage customer

Buy a $400,000 house with just $14,000 down

Get pre-approved in minutes
Get pre-approved in minutes

For example, a 3.5% down payment on a 30-year, fixed-rate purchase loan of $300,000 with an interest rate of 6.500% / (6.820% Annual Percentage Rate- APR) will have 360 monthly principal and interest payments of $2,479. This is for a Federal Housing Administration Loan (see qualifications at

Payments shown do not include taxes and insurance. Actual payments will be higher. Example above is based on the following assumptions: borrower with an average credit score (i.e., FICO score of 675 or higher); maximum loan-to-value ratio of 96.5%; subject property is a Single Family Residence; subject property is borrower’s primary residence. Mortgage rates are based on current market conditions and change daily. Actual rates may vary.All mortgage loan products are subject to credit and property approval. Rates, terms, and conditions are subject to change without notice. Products are not available in all states. Other restrictions and limitations may apply.