Fha Down Payment Loan Top Fha Lenders The Best FHA Loans of 2018 Best for low FICO credit score: Guild Mortgage. Best for online mortgage: quicken loans. Best for mortgage alternatives: TD Bank. Best for adjustable-rate mortgages: Fairway Independent Mortgage. Best for flexible approval: Navy Federal Credit Union.Fha Down Payment Percent Fha downpayment requirement However, the agency recently told lenders it is tightening underwriting requirements over concern. may still qualify with a 10 percent down payment and other qualifying factors. The recent changes.