Best FHA Loans for First Time Buyers 2026: Top 10 Lenders Compared
EC
Emily Chen
Construction & Commercial Loans Expert • 10+ Years
Published January 26, 2026 • 9 min read
Looking for the best FHA loan lenders for first-time buyers? We compared the top 10 FHA lenders in 2026 on rates (6.00-6.25%), fees ($1,500-$3,000), approval speed (2-30 days), and customer service. Find the perfect lender for your 3.5% down FHA loan with 580+ credit score.
🏆 Quick Facts (January 2026)
- ✓Best Overall: Better.com (6.00% rate, $1,500 fees, 7-day approval)
- ✓Best for Speed: Rocket Mortgage (2-3 day approval)
- ✓Best for Low Credit: FHA.com (accepts 580 score)
- ✓Rate Range: 6.00-6.25% (varies by lender)
Top 10 FHA Lenders for First Time Buyers (2026)
| Lender | Rate | Fees | Approval Time | Best For |
|---|---|---|---|---|
| 1. Better.com | 6.00% | $1,500 | 7 days | Best overall |
| 2. Rocket Mortgage | 6.125% | $2,000 | 2-3 days | Speed |
| 3. LoanDepot | 6.25% | $1,800 | 10 days | First-timers |
| 4. CrossCountry | 6.00% | $1,600 | 14 days | Low fees |
| 5. Guaranteed Rate | 6.125% | $2,200 | 12 days | Service |
| 6. New American | 6.125% | $1,900 | 15 days | DPA programs |
| 7. Guild Mortgage | 6.25% | $2,100 | 18 days | Local expertise |
| 8. Movement | 6.125% | $1,850 | 14 days | Community |
| 9. PennyMac | 6.125% | $2,000 | 16 days | Servicing |
| 10. FHA.com | 6.25% | $2,500 | 20 days | 580 credit |
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