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Michael Graw
Michael Graw
Jul. 15, 20214 min read summary is an online lending marketplace that can help you find a low-interest FHA loan for your first home purchase. The platform uses a simple questionnaire that only takes a minute to complete in order to match you with a lender. is completely free-to-use and can also help you determine whether you are eligible for an FHA loan or another type of government-backed mortgage.


  • Free to use
  • Checks your eligibility for an FHA loan
  • Matches you with a low-interest rate loan


  • Not always able to find a matching lender
  • Not available in NY
  • Must include contact information at a Glance 

Direct lender or marketplace Marketplace
Loan types FHA-backed mortgages
Loan amount $331,760 to $765,600
Repayment terms Varies by lender
APR Varies by lender
Suitable for First-time home buyers with poor credit

Overview is an online platform where you can easily and quickly be matched with an FHA mortgage provider. FHA loans are designed to help first-time home buyers, who have low income or poor credit, qualify for a mortgage.

What’s nice about is that the platform automatically checks your eligibility for an FHA loan before connecting you with lenders. This can be tricky to do on your own since FHA loan minimum and maximum amounts vary by area and home type. If you are not eligible for an FHA or other government-backed mortgage, the platform will suggest other options for getting a mortgage. 

Suitable For? is suitable for first-time home buyers who have poor credit, low income, or both. FHA mortgages typically require a minimum credit score of just 500, although you may be able to get better loan terms if your credit score is higher. will match you with lenders that offer loan terms that fit your credit score, income bracket, and area.

Note that if you have high income or good credit, you may not qualify for an FHA loan and will not be able to match you with a lender.

Types of Loans focuses on matching first-time home buyers with FHA-backed mortgages. These mortgages are typically offered by individual lenders, but are backed by the US government. FHA loans typically have more lenient requirements compared to traditional mortgages:

  • Minimum credit score: 500
  • APR: Varies by lender
  • Loan terms: Varies by lender, typically 15-year or 30-year fixed
  • Down payment: 3.5% or more
  • Eligibility: Home must be your primary residence

Application Process

Getting matched with a lender through only takes a few minutes. The platform’s online questionnaire asks you questions to determine your eligibility such as your credit score, annual income, the estimated price of your home purchase, and your planned down payment. You’ll also need to enter your email and phone number so that and partner lenders can contact you directly.

There is no documentation required to get matched with a lender, although you will need to provide proof of income and other documents before your FHA loan is approved.

Rates and Fees is a marketplace rather than a direct lender. The interest rates and fees you will be offered vary based on your credit score, down payment, loan term, and the individual lender you are matched with. Your matched lender will also determine what additional fees you need to pay, such as closing costs.

Repayment Terms

The repayment terms of your loan will vary based on your lender. That said, FHA loans typically come with either 15- or 30-year fixed terms.

Help & Support provides support by email only. The company typically takes 1-2 business days to respond to questions.



What is the minimum credit score to qualify for an FHA loan?

Most borrowers must have a credit score of 500 to qualify for an FHA loan.

What happens if I am not eligible for an FHA loan?

If you are not eligible for an FHA loan, will not be able to match you with a lender. The platform will suggest alternative options for getting a mortgage.

I haven’t picked out a house yet. Can I still use

Yes, you can use even if you don’t have a home purchase underway. You can estimate the price of your upcoming home purchase when working through the online questionnaire.

Do I need mortgage insurance for an FHA loan?

Yes, FHA loans require you to pay a special type of mortgage insurance. If your down payment is less than 10%, you must pay mortgage insurance for the entire term of the loan.


Mortgage Research Center LLC, 2101 Chapel Plaza Ct., Columbia, MO 65203

Summary makes it easy to check your eligibility for an FHA loan and to get matched with an FHA mortgage lender. Working through the online questionnaire only takes a few minutes and automatically finds the suitable mortgage terms for your situation. You’ll find this marketplace helpful if you are a first-time home buyer with poor credit or low income.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites.
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