Mortgages backed by the Federal Housing Administration, or FHA loans, have helped thousands of families buy their first homes. With less stringent credit score requirements, lower down payments, and flexible debt-to-income ratios, they serve as a stepping stone to homeownership. Here are the best FHA loan lenders right now. The best FHA lenders of February 2026 Best overall: PNC Bank Why PNC Bank mortgages stand out: PNC Bank offers qualified buyers grants of $10,000 or more, and excels in customer s ...