Forward Lending - Wholesale Lending for Mortgage Brokers


FHA Loan Programs

FHA Loan Programs

FHA Purchase

FICO Down to 550
  • 96.5% LTV, 105% CLTV @ 580 FICO+​
  • 90% LTV at 550 FICO+​
  • 1 - 4 Units​
  • No FICO Option​
  • DTI to AUS Approval​
  • 43% DTI Max on Manual U/W​
  • Loan Amounts Starting at $75,000​
  • Non-Resident Alien OK​

FHA Streamline

FICO Down to 580
  • No Income Amount Required on Application
  • No Appraisal
  • 1 - 4 Units​
  • Manual U/W Available
  • Prior FHA Loan Required
  • Quick and Easier than typical Refinances
  • Can Require Less Documentation

FHA Refinance

No Cash Out
  • 97.75% LTV, 580 FICO+
  • 90% LTV, 550 FICO+
  • 1 - 4 Units​
  • Manual U/W Available
  • Prior FHA Loan Required

FHA 2024 County Loan Limits

View the Max Loan Amount for FHA


Forward Lending is accepting submissions for qualifying FHA Loans submitted and scheduled to close on or after Wednesday, March 1, 2023. These loans are eligible to receive the annual MIP Reduction.

HUD recently announced a 30 basis-point reduction to the FHA Annual Mortgage Insurance Premium (annual MIP) rates charged to homebuyers who obtain an FHA-insured mortgage.

Take advantage of this opportunity to potentially qualify more borrowers with this reduction offered by HUD!

The reduction is effective for mortgages endorsed for insurance by FHA on or after March 20, 2023.

The FHA annual MIP reduction applies to all eligible property types, including:

  • Single family homes
  • Condominiums
  • Manufactured homes
  • All eligible loan-to-value ratios
  • All eligible base loan amounts

 Refer to the current Mortgagee Letter for qualifying programs and exceptions. 

FHA Programs

FHA Loan Programs 

Highlights include:

  • Down Payment Assistance Programs – FHA Forward 100
    • No payment 2nd
  • Fixed rate loan programs
  • Flexible terms
  • FHA Streamline refinances available (no appraisal needed)
  • Low FICOs make qualification more accessible

Available on TheTrack, our TPO portal technology where you can register, submit, and disclose in minutes.

Learn More

Have a loan that you want to discuss with our experienced team?  Drop the details here. 


  • 100% CLTV FHA Loan (Combines 1st and Subordinate Lien)
  • 2nd lien with an interest rate 2% greater than 1st lien      
  • Payment amortized over 10 years
  • Monthly payments required
  • 600 Minimum FICO
  • Borrower’s minimum contribution of $0.00
  • No First Time Home Buyer Requirement
  • Max Loan Amount per FHA guidelines by subject property county

No Speed Limits here.  Your Forward Lending TPO submission portal reduces days to close by being fast and efficient. 

  • Get on the Forward Lending TPO Track and find out why our portal LAPS the others. 
  • Get Pricing immediately on our Prime and Non-QM Programs. 
  • Run Credit, DU/LP separately or at the same time. 
  • Run Credit, DU/LP separately or at the same time. 
  • Disclose your loan immediately or Quick Submit, up to you. 

We keep you on time, on track, and ready to close!

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