The Top FHA Lenders for 2019

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Finding a good deal on a loan isn’t always easy. This is especially problematic if you’ve had a few problems with your credit in the past. Even if it was just a one-time problem that impacted your finances a few years ago, when your credit score isn’t perfect then you might face higher interest rates, increased down payments or other issues that will make your mortgage more expensive than it has to be.

Fortunately, there’s a good chance that you could qualify for a loan through the Federal Housing Administration (FHA), a section of the Department of Housing and Urban Development (HUD). FHA loans typically have significantly lower down payments and much more agreeable repayment terms, and they are available to borrowers with a wider range of credit scores than many other qualified loan products. You don’t have to have credit problems to take out an FHA loan, but it’s nice to know you can still qualify for one of these loans even if your credit has hit a few bumps over the years.

Of course, before you can take out one of these loans, you have to find an FHA lender. It’s important to remember that these lenders are not employed by the FHA itself; they are simply partners that are authorized to grant FHA-backed loans. Not all FHA lenders are created equal, so here are a few that are worth checking out if you’re going to need an FHA loan in 2019.

Quicken Loans (and Rocket Mortgage)

While these two are technically different listings, Rocket Mortgage is a service offered by Quicken Loans, so they’re combined here for ease of reference. Allowing credit scores as low as 580, minimum down payments as low as 3.5% of the property value and an easy online (or app-based) application process, Quicken Loans makes taking out an FHA loan just about as easy as it can be. There’s a reason it’s consistently one of the top FHA lenders year after year. You can reach Quicken Loans online at or download the Rocket Mortgage app from Google Play for Android devices or the App Store on iOS devices.

Guild Mortgage Company

While not as big of a name as Quicken Loans, Guild Mortgage has made a name for itself by offering low-cost FHA loans to borrowers even if they’ve had problems with credit in the past. In the 2017 U.S. Primary Mortgage Origination Satisfaction Study, J.D. Power found that Guild tied Quicken Loans for first place in the rankings with a score of 878. This is especially impressive since Guild is active in only 40 states; so far, Guild’s operations are largely limited to the southern, mid-southern and western United States. You can find out more about Guild Mortgage and see if Guild operates in your area at


Founded in 2010, loanDepot has been building a positive reputation as an FHA lender for several years now. The company surpassed $110 billion in funding in 2017 while still maintaining near-perfect customer satisfaction rates. In fact, according to Lending Tree statistics, an amazing 91% of loanDepot customers would recommend the service to others. With over 1,700 licensed loan officers and 180+ local locations across the country, loanDepot is positioning itself to be a lending powerhouse for both online and in-person borrowers for years to come. You can find out more about the company at

Fairway Independent Mortgage

If you’re in the market for an adjustable-rate mortgage in the continental United States but don’t have a huge amount to spend up front, Fairway Independent Mortgage may be the FHA lender for you. In addition to having a focus on affordable adjustable-rate mortgage products, Fairway also offers a few features to help keep closing costs and out-of-pocket expenses low. Fairway’s loans are structured so that the home seller can contribute up to 6% of the closing cost to help finalize the sale, and unlike with some lenders, you can actually use employer or relative gifts to pay the down payment (pending underwriter approval). With over 500 local branches, Fairway likely has someone who can help get you settled into a loan. You can find out more and locate the Fairway Independent Mortgage branch nearest to you at

New American Funding

If your financial situation is typical and you’ve got a good credit score, you can find FHA loans just about anywhere. If your situation isn’t quite so normal, though, loans become a lot harder to come by. This is where New American Funding comes in. All of New American’s loan products are manually underwritten, meaning that you’re not just a bunch of numbers being crunched by a computer … the company sees you as a real person and has a real person looking at your financial situation to see how well they can match you with a loan. The company also proudly offers bilingual agents to assist Spanish-speaking customers, which makes sense given that the company was founded to better support niche and minority markets that were often overlooked by large lenders. To find a local office and see whether New American Funding is the FHA lender for you, visit

Other FHA Lenders

Of course, this list is just the tip of the iceberg when it comes to FHA lenders that might be able to match you with a quality loan. The intent here was to highlight the best of the best that are likely to shine in 2019, providing options that all have something that sets them apart from other lenders in the field. We could easily have added such honorable mentions as Guaranteed Rate, Flagstar Bank, Navy Federal Credit Union and more. These five options are the ones we feel are the most unique and most likely to match you with the FHA loan you’re looking for, but they are by far not your only choices. Don’t be afraid to keep looking for that hidden gem that gives you the best loan for your situation … who knows, maybe the lender you choose will top our list for 2020.