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Best FHA Mortgage Lenders
BRAND PASS · U.S. FHA home loans
Best FHA Mortgage Lenders
A smaller down payment. A clearer path to your next home.
Explore SoFi FHA loans or FHA mortgage options through LendingTree’s marketplace. Compare eligibility, lender fees and mortgage insurance before choosing where to apply.
For eligible U.S. borrowers and properties. FHA insurance does not guarantee mortgage approval.
About this comparison: BRAND PASS covers two selected services, not the whole market. “Best” depends on your needs; these are not ranked or independently rated. Links currently go to official company websites and are not affiliate links. BRAND PASS does not lend money or provide personal mortgage advice. External links open in a new tab.
Choose your starting point
Explore a lender. Or compare lenders.
SoFi offers FHA loans directly. LendingTree connects borrowers with participating lenders. The route you choose changes how you shop, not the need to compare the complete offer.
SoFi FHA Loans
For buyers who want to explore FHA financing directly with SoFi.
- Review a dedicated FHA mortgage product page.
- Explore a 3.5% down-payment option, subject to qualification.
- Discuss eligibility, documents and loan requirements with a SoFi loan officer.
Check before applying: SoFi and FHA conditions apply. Ask about availability for your property and state, mortgage insurance, lender charges and cash needed to close. SoFi is not affiliated with a government agency.
Explore SoFi FHA loans ↗
Review current terms on SoFi’s official website.
LendingTree FHA Options
For buyers who want to explore FHA offers from participating lenders.
- Explore FHA information and lender comparison tools.
- Ask matched lenders about FHA eligibility and available products.
- Compare each lender’s APR, fees and total payment before deciding.
Check before submitting: LendingTree does not make the loan. FHA matches and offers depend on your profile and lender availability. Review information-sharing and contact consent terms before providing your details.
Explore FHA options on LendingTree ↗
Confirm FHA availability with each matched lender.
SoFi vs. LendingTree for FHA mortgages
Use this comparison to choose how to start shopping. Your actual loan terms come from the lender, after it assesses your circumstances.
| What matters | SoFi | LendingTree |
|---|---|---|
| Service | Direct lender offering FHA loans | Marketplace connecting borrowers with participating lenders |
| Shopping approach | Discuss a loan directly with SoFi | Explore and compare matched lenders |
| Down payment | Minimum 3.5% for qualifying FHA primary purchases | Confirm the applicable FHA and lender requirements for each offer |
| Insurance costs | Upfront and monthly FHA mortgage insurance apply | FHA insurance applies to FHA offers; request each lender’s full cost breakdown |
| Main question to ask | What are my total costs and eligibility requirements? | Which matched lenders offer an FHA loan for my profile? |
Understand the full price of borrowing
Low down payment does not mean low total cost.
An FHA loan is insured by the Federal Housing Administration and provided by a lender. The insurance protects the lender; you still repay the loan and pay the required premiums.
01. Down payment & closing
For illustration, 3.5% of a $300,000 purchase price is $10,500. That does not include closing costs, prepaid expenses or other cash requirements.
02. Upfront insurance
For a standard FHA purchase, the upfront mortgage insurance premium is generally 1.75% of the base loan amount. Ask whether it will be financed or paid at closing.
03. Ongoing insurance
Annual FHA mortgage insurance is collected through monthly payments. Ask for the amount and how long it applies. Financing the upfront premium increases the balance you repay.
Example, not a quote: A $300,000 price minus a $10,500 down payment leaves a $289,500 base loan. At 1.75%, the upfront premium is $5,066.25. Financing that premium would bring the balance to $294,566.25, before any other adjustments. Ongoing insurance, interest, closing costs, taxes and homeowners insurance are additional. No rate or eligibility is assumed.
Insurance figures describe a standard FHA purchase example. Confirm the rules and premium applicable to your specific loan with the lender.
Is an FHA mortgage worth exploring?
It may be worth comparing if you have limited down-payment savings or need to explore alternatives to conventional financing. Compare FHA and conventional offers when both are available to you.
Ask about your finances
What credit score does this lender require? How will it assess your income, existing debts and savings? A lender can apply requirements beyond FHA’s baseline rules.
Ask about the property
Does the home meet the applicable occupancy, appraisal and property requirements? Is the loan amount within the current FHA limit for its county and property type?
Ask about the offer
What are the rate, APR, points, lender fees, mortgage insurance and total monthly payment? Compare equivalent Loan Estimates and confirm the rate-lock terms.
FHA mortgage questions, answered.
Does SoFi offer FHA loans?
Yes. SoFi confirms that it offers FHA loans. Check its dedicated FHA page and speak with a loan officer about current eligibility, documentation and availability.
Can LendingTree provide my FHA mortgage?
LendingTree is a marketplace, not the lender. It can connect borrowers with participating lenders; confirm that a matched lender offers FHA financing for your circumstances. The lender handles approval and the loan.
Do I need to be a first-time buyer?
FHA purchase loans are not limited to first-time buyers. You must still meet the relevant occupancy, financial, property and lender requirements.
Is a 3.5% down payment available to everyone?
No. SoFi advertises a 3.5% minimum for financially qualifying FHA primary purchases. Your credit profile and other eligibility factors matter, and the lender may have additional requirements.
Is FHA mortgage insurance the same as conventional PMI?
No. FHA mortgage insurance has its own upfront and ongoing premium rules. Do not assume it cancels in the same way as conventional private mortgage insurance. Ask the lender how long your FHA premium will apply.
Does government insurance guarantee approval?
No. FHA insurance protects the lender against covered losses. Your application and property must still pass the lender’s underwriting and applicable FHA requirements.
How much will I pay each month?
It depends on your loan amount, rate, term, mortgage insurance, taxes and homeowners insurance. Ask for the total estimated payment, then budget separately for any HOA fees and maintenance.
Can these services finance a UK home?
This page covers U.S. FHA mortgages for eligible borrowers and properties. It is not a comparison of UK mortgage products.
Make your next step an informed one
Explore the FHA options available to you.
Start with SoFi directly or explore participating lenders through LendingTree. Compare personalized costs before committing to a mortgage.
Continue on the provider’s website. This page does not collect mortgage applications or personal financial information.
Related comparisons: Mortgage lenders · First-time buyer mortgages.
Sources: SoFi FHA loans · LendingTree FHA information · HUD mortgage insurance guidance. Information checked 8 October 2026. Terms can change.
General information only, not personalized financial advice. Approval, rates and availability are not guaranteed. BRAND PASS is not affiliated with FHA or HUD. Your home secures the mortgage; missed payments can lead to foreclosure.