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Federal Housing Administration (FHA)
30-Year Fixed-Rate Home Loan

Mortgage Building blocks

Owning a home can be within reach. An FHA 30-year fixed-rate home loan1 can be an excellent choice for first-time homebuyers with lower credit scores, minimal credit history, and limited cash for a down payment. With the flexibility of the FHA application process, we can help make your dream of homeownership a reality!

Features and benefits:

  • Only a 3.5% down payment required on certain loans
  • Qualify with little to no credit history
  • Lower FICO score requirements than traditional loans
  • No minimum or maximum income requirements
  • History of steady employment required
  • Steady monthly principal and interest payment
  • No prepayment penalty or fee
  • Convenient online application process

Start today and apply for a 30-year fixed-rate FHA home loan from New York Community Bank, a division of Flagstar Bank, N.A.

Programs for qualified borrowers. All borrowers subject to credit approval, underwriting approval and lender terms and conditions. Programs subject to change without notice. Some restrictions may apply. Not a commitment to lend. A loan advisor will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.