2025 FHA Loan Rules: What No One Tells You About 580 Credit & 3.5% Down

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0:00 FHA Highlights
1:32 Minimum Down Payment
2:42 Pros and Cons
4:15 What is FHA?
5:23 How To Get One
5:56 Down Payment Assistance
8:08 Closing Costs
10:55 Proof of Funds
13:45 Credit Score
15:46 Overlays
16:25 Example Home 1
18:31 Example Home 2
19:19 Loan Limits
20:14 Interest Rates
22:20 Mortgage Insurance
25:19 FHA vs Conventional
28:25 Credit Issues
29:53 Student Loans
31:24 Underwriting
34:55 Employment
36:18 Income Considerations
38:36 Boarder Income
39:30 DTI and Affordability
41:50 Community Property
43:00 Co-Borrowers
44:56 Max Price Calculator
45:25 Property Types
46:19 Property Requirements
48:00 Occupancy Rules
48:43 Condos
50:38 Property Condition
51:16 Appraisal
54:41 Rehab Options
56:04 House Hacking
59:37 Bridge Strategy
1:02:00 Refinancing
1:03:53 Success Rate
1:05:47 Offer Tips
1:08:05 How To Get One

— DISCLAIMER —
Kyle Andrew Seagraves is Licensed Loan Originator (NMLS 1701021) with NFM Lending (NMLS 2893), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.

NFM Lending
1190 Winterson Road, Suite 300,
Linthicum, MD 21090
Toll Free: +1 (888) 233-0092
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Equal Housing Lender