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FHA Loans

FHA Loan Programs

FHA Purchase

FICO Down to 580
  • 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
fha matrix

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
Fha streamline matrix

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
FHA MATRIX

Brokers can request a soft credit pull upon submitting for FHA Streamlines.

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.

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

© 2025 All rights reserved Brokers Choice Mortgage is a registered DBA of OCMBC, Inc. NMLS ID #2125. Equal Housing Lender. All rights reserved. Some products may not be available in all states. Programs and rates are subject to change without notice. Turn time estimates are not warranted or guaranteed. Some restrictions may apply. Underwriting terms and conditions apply and not all applicants will qualify. This is not a commitment to lend. For more licensing information, visit the Nationwide Multistate Licensing System’s Consumer Access website www.nmlsconsumeraccess.org. For our licensing information and lists please visit: Our Licensing page.  Intended for use by real estate and lending professionals only and not for distribution to consumers.