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FHA Loans

FHA Loan Programs

FHA Purchase

FICO Down to 550
  • 96.5% LTV, 105% CLTV @ 580 FICO+​
  • 1 - 4 Units​
  • No FICO Option​
  • DTI to AUS Approval​
  • Refer/Eligible Allowed
  • Loan Amounts Starting at $75,000​
  • Non-Resident Alien OK​
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FHA Streamline

FICO Down to 580
  • No Income Amount Required On Application
  • No Appraisal
  • 1 - 4 Units​
  • Manual U/W Available
  • Prior FHA Loan Required
  • Quick and Easier than typical Refinances
  • Can Require Less Documentation
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FHA Refinance

No Cash Out
  • 97.75% LTV, 580 FICO+
  • 90% LTV, 550 FICO+
  • 1 - 4 Units​
  • Manual U/W Available
  • Prior FHA Loan Required
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FHA Programs

FHA Loan Programs 

Highlights include:

  • Down Payment Assistance Programs 
    • No payment 2nd
  • Fixed rate loan programs
  • Flexible terms
  • FHA Streamline refinances available (no appraisal needed)
  • Low FICOs make qualification more accessible

Available on our TPO portal technology where you can register, submit, and disclose in minutes.

Get Approved Today

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Have a loan that you want to discuss with our experienced team?  Drop the details here. 

Offers valid for loans locked between 1/1/2026 and 1/31/2026. Specials apply to FHA Streamline Purchase and FHA Streamline. 

Offers valid for loans locked between 12/15/2025 and 12/31/2025. Specials apply to FHA loans and VA IRRRL Loans. 

All offers are subject to change without prior notice. Rate and price improvements are applicable only to qualifying loan programs and borrowers, and not all applicants will qualify. Specials cannot be combined with any other offer or price exception unless explicitly stated. Terms, restrictions, and conditions apply. This is not a commitment to lend.

Loans may qualify for additional price improvement with Select Specials as indicated on our Prime and Non-QM Rate sheets.

GIANT Lending is not affiliated with or acting on behalf of or at the direction of the Federal Housing Administration, Veterans Administration, or the Federal Government.