---
title: What is an FHA loan?
description: A loan with lower down payment requirements and more flexible underwriting guidelines. FHA loans do have additional requirements based on property type.
---

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# What is an FHA loan?

## A government-backed loan.

An FHA loan is government-backed. FHA loans are mortgages insured by the [FHA](https://www.jvmlending.com/glossary/#fha).

**T**hese loans are associated with **lower down payment requirements** and **more flexible underwriting guidelines** but do require **mortgage insurance** throughout the life of the loan.

 **An FHA loan is a great option for borrowers with lower credit scores and less funds readily available for closing.** However, there are additional requirements to qualify for a condo or 3-4 unit home using FHA financing.

- [FAQs](https://info.jvmlending.com/knowledge/faqs?hsLang=en#main-content)

    - [Closing](https://info.jvmlending.com/knowledge/faqs?hsLang=en#closing)
    - [Getting Pre-Approved](https://info.jvmlending.com/knowledge/faqs?hsLang=en#getting-pre-approved)
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    - [Making Offers](https://info.jvmlending.com/knowledge/faqs?hsLang=en#making-offers)
    - [Loan Products](https://info.jvmlending.com/knowledge/faqs?hsLang=en#loan-products)
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