Affordable, Flexible & Designed for You
Consider an FHA home loan that allows for down payments as low as 3.5% with a 580 FICO credit score.
As Low As 3.5% Down & Assistance Programs Available
Single & Multi-Family Homes
Often Lower than Conventional Loans
580 Credit Score Requirement*
The Federal Housing Administration (FHA) guarantees FHA mortgages and loans. This also means that the FHA insures them. Some of the requirements to qualify for an FHA mortgage include:
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Estimated monthly payment for an FHA $180,000 30-year term fixed-rate mortgage with a 3.5% down payment at 7.915% Annual Percentage Rate (APR) would be $1,488. FHA loans also require mortgage insurance and mandatory escrows for taxes and homeowner’s insurance, which will increase the monthly payment. These payment examples do not include amounts for taxes, homeowner's insurance, and flood insurance (if required) and the actual payment will be greater. Payment examples are for illustrative purposes only and are subject to change.
* Loans subject to credit approval. Applicants must use promo code GRILL when submitting an online mortgage application or when meeting with their Mortgage Loan Originator. The free Blackstone 28” Original Omnivore Griddle w/ Hard Cover applies to loan applications on single-family, 1-4 unit properties for first-lien residential refinance or purchase mortgage loans only. Offer available on loan applications with Loan Estimate disclosures dated September 15, 2026 – December 15, 2026. This does not include pre-approval applications. Construction loans are not eligible for this offer. No minimum loan amount is required to receive the offer. Standard loan program details still apply. All applications are subject to approval under Midland's underwriting guidelines. Blackstone is provided only upon loan approval and closing. Blackstone will be mailed to customers within 30 business days after the closing date unless otherwise stated. Blackstone may be reported as taxable income and produce a 1099-MISC. Blackstone is limited to one per loan. No cash equivalent or transfer of prize is permitted. Offer subject to change without notice. Offer cannot be combined with any other discounts, promotions, or incentives, such as Perks@Work or Community Hero Mortgage Program.
