FHA loans have helped thousands of families buy their first home. 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 January 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 satisfaction. PNC Bank FHA loan details Availability: All 50 s ...