Home Possible®
Home dreams made real for more families
Choose a loan with lower upfront costs and more flexible income and credit requirements.
Today's Home Possible® rates
Discover competitive rates, updated daily.
Want to talk to an expert?
Schedule a callRates as of February 16, 2026
See assumptionsHome Possible® benefits
- 3% down payment makes homeownership accessible even with limited savings
- More flexible income and credit requirements
- Mortgage insurance can be removed once you reach 20% equity
- Lock in predictable monthly payments with fixed-rate options
- Return to us for refinancing or home purchases with $0 bank fees
Eligibility requirements
- Total household income must be at or below 80% of the area median income for your location
- Typically requires a minimum credit score of 620, exceptions may apply
- The home must be your primary residence
- First-time homebuyers must complete an approved homebuyer education course
- Debt-to-income rations doesn’t exceed 45%, with some flexibility
Explore other loan types
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No hidden fees. No surprises. We offer transparent loans and operate on strict timelines to meet your closing goals.