FHA Loans with 100% Financing Options
Flexible, low down payment loans designed to help more buyers qualify
Years of Experience
Brand Trusted by Millions
Secure Financial Strength
Why Choose an FHA Loan?
With as little as 3.5% down and options for buyers with lower credit scores, FHA loans open the door to homeownership for those who might struggle to qualify for conventional loans. They’re ideal for first-time buyers, renters ready to own, or anyone looking for an affordable, accessible path to their next home.
What Is an FHA Loan?
An FHA loan is a government-backed mortgage that helps make homeownership possible with:
Zero down payment required — 100% financing
Available with FHA loans
Options for either repayable or forgivable second lien
Accepts FICO scores as low as 600
No first-time homebuyer requirement
Who Can Benefit from FHA Loans?
First-time homebuyers
Buyers with lower credit or limited savings
Individuals seeking low down payment options
Households needing flexible qualifying guidelines
How It Works
- Explore Your Options: Review FHA loan details, estimated rates, and down payment requirements that fit your homebuying needs.
- Compare and Customize: We’ll provide an easy-to-understand overview of your loan terms, monthly payments, and closing costs.
- Take the Next Step: Fill out the form to get started — it’s fast, secure, and won’t impact your credit score.
About Mutual of Omaha Mortgage
The Mutual of Omaha Insurance Company has been helping customers since 1909. Inspired by hometown values and committed to being responsible and caring for each other, we exist for the benefit of our customers.
As a full-service mortgage lender, we have the solution for nearly every mortgage need. Our portfolio of home financing options include: fixed and adjustable rate loans, FHA, VA, USDA, jumbo loans, and refinancing programs. Along with our products, we offer competitive rates, a streamlined process and local underwriting and processing support —all focused on helping serve the needs of customers.
- A wide range of home refinancing
- Timely, accurate loan status updates
- Competitive rates and fees
- A+ rating with Better Business Bureau
Frequently Asked Questions
Typically, just 3.5% down if your credit score is 580 or higher.
Yes! FHA loans are designed for flexibility, with minimum credit scores around 580 (or sometimes 500 with larger down payments).
No — FHA loans do not impose income caps, making them available to a wide range of buyers.
Yes! Many programs allow you to layer FHA financing with additional assistance to reduce upfront costs even further.
Most FHA loans close in 30–45 days, depending on your specific circumstances and the local market.
Just a Minute Could Unlock Your FHA Loan Options
Take a minute to answer a few questions and check if you qualify for 100% financing with down payment help. No Commitment.
