Unlocking The Power Of Movement Boost: Boosting Your FHA Loan Options


Every aspiring homebuyer knows what a daunting challenge it can be to secure the right loan. FHA loans, backed by the Federal Housing Administration, offer significant benefits like lower down payments and lenient credit qualifications that make them popular among first-time buyers.

In this article, we'll unlock the power of Movement Boost, an innovative program designed to enhance your FHA loan options and pave the way for accessible homeownership. Get ready: we're about to change how you view financing your dream home!

Key Takeaways

  • Movement Boost is an innovative program designed to enhance FHA loan options by providing flexible credit score requirements, lenient debt-to-income ratios, and low (or no) closing costs.
  • FHA loans offer several advantages including easier credit qualifications, a low down payment requirement, more affordable mortgage insurance, lenient debt-to-income ratios, financing options for one- to four-unit properties and no income limits.
  • Movement Boost enhances FHA loan options through flexible credit score requirements, lenient debt-to-income ratios, acceptance of gift funds, low (or no) closing costs eligibility for non-occupant co-borrowers, and access to low FHA rates.

Understanding Movement Boost and FHA Loans

Movement Boost is a program designed to enhance FHA loan options by providing flexible credit score requirements, lenient debt-to-income ratios, and low (or no) closing costs.

What is Movement Boost?

Movement Boost is an innovative FHA loan program launched by Movement Mortgage, a pioneer in retail lending. Introduced on May 23, 2023, this robust tool is designed to provide qualified buyers with the means to cover their entire down payment, eliminating one of the significant barriers to homeownership.

The initiative embodies Movement Mortgage's commitment to economic recovery and rebuilding efforts by making it easier for many potential homebuyers struggling with upfront costs. Beyond ordinary assistance programs, Movement Boost sets itself apart by offering zero-down payment schemes — a game-changing option that significantly enhances access and affordability for consumers nationwide seeking FHA loans.

What are FHA Loans?

FHA loans are a popular choice, particularly among first-time homebuyers. These government-insured mortgages offer a route to homeownership for low- to moderate-income families who might otherwise struggle with stringent lending requirements.

Unique advantages of FHA loans include more manageable credit prerequisites, more affordable down payments, and flexible income stipulations set by the Federal Housing Administration (FHA). With their assistance and regulation, these loans open up avenues for achieving the dream of owning a home.

Despite carrying lower interest rates compared to some conventional offerings, prospective borrowers need to familiarize themselves with the specifics of FHA loan criteria and processes prior to application.

Advantages of FHA Loans

FHA loans have several advantages, including easier credit qualifications, a low down payment requirement, more affordable mortgage insurance, lenient debt-to-income ratios, financing options for one- to four-unit properties, and no income limits.

Easier credit qualifications

Making homeownership your reality, not merely a dream can be easier than you think. FHA loans are designed to break through the traditional barriers of stringent credit qualifications that typically leave many potential homebuyers stranded.

You see, the beauty of an FHA loan lies in its leniency towards credit history. Even if your past financial decisions aren't sparkling clean or perhaps you haven’t built a solid credit history yet - don't fret! Lenders offering these loans know life happens and are willing to give applicants with less-than-perfect scores a fair shot at homeownership.

The minimum FICO® score for grabbing hold of that low down payment benefit stands at 580, significantly lower compared to conventional loans. This eases access to funding, especially for those with higher amounts of debt or limited down payments on hand.

Low down payment

With FHA loans, one of the major advantages is the low down payment. Unlike traditional mortgages that may require a significant upfront payment, FHA loans only require a down payment of 3.5%.

This makes homeownership much more accessible, especially for first-time homebuyers who may not have substantial savings. For example, if you're purchasing a $200,000 home, your down payment would be just $7,000 with an FHA loan.

This lower down payment requirement allows you to enter the housing market sooner and start building equity in your own home. So whether you're dreaming of buying your first home or looking to upgrade to something bigger and better, an FHA loan with its low down payment option can help make it happen without breaking the bank.

More affordable mortgage insurance

FHA loans offer more affordable mortgage insurance compared to conventional loans. This means that borrowers can save money on their monthly payments and potentially qualify for a higher loan amount.

With the recent reduction in FHA mortgage insurance premiums by 30 basis points, homeownership is becoming even more accessible and affordable for buyers. The premium reduction program implemented by the Biden-Harris Administration will save FHA homebuyers an average of $800 annually on their mortgage payments.

This lower cost of mortgage insurance lowers the risk to lenders and provides greater flexibility for borrowers, making it an attractive option for those looking to purchase a home with a smaller down payment and easier credit qualifications.

Lenient debt-to-income ratio

FHA loans offer a lenient debt-to-income ratio requirement, which is great news for homebuyers. Your DTI ratio is an important factor in determining your eligibility for a mortgage, as it shows how much of your monthly income goes toward debt payments.

With FHA loans, you have more flexibility with this ratio compared to conventional loans. While the specific requirements may vary based on factors like credit score and loan qualifications, FHA loans generally allow for higher DTI ratios.

This means that even if you have some existing debts or financial obligations, you still have a good chance of qualifying for an FHA loan. So whether you're managing student loans or other monthly debts, an FHA loan can be a viable option that takes into account your unique financial situation while helping you achieve homeownership.

Financing available for one- to four-unit properties

When it comes to FHA loans, one of the advantages is that they offer financing options for a wide range of properties. Whether you're looking to buy a single-family home, a condominium, or even a two- to four-unit property, FHA loans have got you covered.

This means that if you're interested in investing in rental properties or want the flexibility of living in one unit and renting out the others, an FHA loan can make that dream a reality. So whether you're envisioning your first home or considering expanding your real estate portfolio, FHA loans provide flexibility and financing options for all types of properties.

Plus, with Movement Boost assisting with down payments and closing costs on these properties as well, homeownership has never been more accessible!

No income limits

One of the major advantages of FHA loans is that there are no income limits to qualify. This means that regardless of how much you earn, you can still be eligible for an FHA loan. Unlike other mortgage options, where your income may restrict your chances of approval, FHA loans are designed to help low- to moderate-income families achieve homeownership without any income limitations holding them back.

Whether you're a first-time homebuyer or someone with a higher income, FHA loans offer equal opportunities for everyone. So if you've been worried about meeting strict income requirements, rest assured that with an FHA loan, your earning potential won't stand in the way of securing your dream home.

How Movement Boost Enhances FHA Loan Options

Movement Boost enhances FHA loan options through flexible credit score requirements, lenient debt-to-income ratios, acceptance of gift funds, low or no closing costs, eligibility for non-occupant co-borrowers, and access to low FHA rates.

Flexible credit score requirements

To make the home buying process more accessible, Movement Boost offers flexible credit score requirements for FHA loans. While other lenders may require a minimum credit score of 580, with Movement Boost, you can qualify with a FICO score as low as 620.

This is great news if your credit score isn't quite where you want it to be yet. It means you still have an opportunity to secure financing and achieve your dream of homeownership. Don't let your credit score hold you back - Movement Boost is here to help!

Lenient debt-to-income ratios

One of the major advantages of Movement Boost for FHA loans is its lenient debt-to-income ratios. Unlike traditional lenders, Movement Mortgage allows borrowers with higher levels of debt to still qualify for an FHA loan.

This flexibility can be a game-changer for homebuyers who may have previously been turned away due to high debts. With Movement Boost, you have a better chance of getting approved even if your monthly expenses are on the higher side.

This opens up more opportunities for you to become a homeowner and achieve your dreams without sacrificing your financial stability.

More lenient on gift funds

FHA loans are known for their flexibility when it comes to gift funds. Unlike traditional mortgages, FHA loans allow borrowers to use gift money from family members or other sources towards their down payment or closing costs.

This means that if you're a homebuyer and need a little extra help with your upfront expenses, FHA loans are a great option. The Federal Housing Administration understands that sometimes, buyers may not have enough saved up on their own, so they give you the leeway to rely on gift funds to make the purchase of your dream home more attainable.

So if you have generous loved ones who want to contribute towards your homeownership journey, take advantage of an FHA loan and unlock the power of gift funds!

Low (or no) closing costs

One of the major advantages of unlocking the power of Movement Boost for FHA loans is the potential for low (or even no) closing costs. Typically, FHA closing costs can range from 3% to 6% of a home's price, which can be a significant expense for homebuyers.

However, with Movement Boost, borrowers may be able to reduce or eliminate these costs altogether. This means that you can save a considerable amount of money when purchasing your new home and have more funds available for other expenses or towards your down payment.

It's important to note that FHA lenders are restricted by guidelines that limit them from charging more than 3% to 5% in closing costs, providing added protection and affordability for borrowers.

Non-occupant co-borrowers accepted

If you're facing challenges in qualifying for an FHA loan on your own, don't worry! Movement Boost has got you covered. With Movement Boost, non-occupant co-borrowers are accepted, giving you the opportunity to have a family member or close friend co-sign with you and increase your chances of securing maximum financing.

These individuals can be related to you by blood, marriage, or law, and their higher income or better credit score can greatly improve your eligibility for an FHA loan. Whether it's your dream home or an investment property with up to four units, having a non-occupant co-borrower by your side opens doors to more possibilities.

So why wait? Explore the benefits of Movement Boost today and unlock new opportunities for homeownership!

Low FHA rates

FHA loans come with the benefit of low-interest rates, making them an attractive option for homebuyers. These low rates are one of the reasons why Movement Boost enhances FHA loan options. With Movement Boost, borrowers can access even lower rates and save money over the life of their mortgage.

This means more affordable monthly payments and potentially significant savings in the long run. So if you're looking for a mortgage with competitive rates, consider unlocking the power of Movement Boost to boost your FHA loan options.

Benefits of Unlocking Movement Boost for FHA Loans

Unlocking Movement Boost for FHA loans provides access to financing options that are otherwise limited, a faster qualification process, and greater affordability and flexibility. Find out how you can boost your FHA loan options today!

Access to financing for borrowers with limited options

If you're a homebuyer with limited options for financing, unlocking Movement Boost can be the game-changer you've been waiting for. With Movement Boost, you gain access to FHA loans that are specifically designed to help borrowers like yourself who may not qualify for conventional financing.

These loans offer attractive benefits such as easier credit requirements, flexible down payment options, and great interest rates. Whether you're a first-time or repeat homebuyer, Movement Boost opens up doors for homeownership by providing the assistance you need to make your dream a reality.

Say goodbye to limited options and hello to the power of Movement Boost and FHA loans!

Faster qualification process

Unlocking the power of Movement Boost can significantly expedite the qualification process for FHA loans. This means that as a homebuyer, you'll be able to secure your dream home faster and with less hassle.

With the benefits of Movement Boost, pre-qualifying for an FHA loan becomes a simple and straightforward process, thanks to the government's insurance backing. You won't have to jump through hoops or wait for weeks to find out if you're eligible.

Plus, with faster qualification comes peace of mind knowing that you can move forward confidently in your homebuying journey. So why wait? Unlock the power of Movement Boost today and experience a swift and seamless path to homeownership!

Greater affordability and flexibility

Homeownership is a dream for many, and with Movement Boost enhancing FHA loan options, it becomes even more attainable. One of the key benefits of unlocking Movement Boost is the greater affordability and flexibility it offers.

For starters, FHA loans have lower down payment requirements, making it easier to get your foot in the door as a homeowner. Additionally, borrowers with less-than-perfect credit histories can still qualify for these loans, providing them with more options in the housing market.

With competitive interest rates and lenient credit qualifications, FHA loans offer the affordability and flexibility needed to make homeownership a reality for individuals and families alike.


In conclusion, unlocking the power of Movement Boost can truly boost your FHA loan options. With easier credit qualifications, low down payment requirements, and more affordable mortgage insurance, Movement Boost opens up a world of possibilities for homebuyers.

Take advantage of this incredible opportunity to enhance your FHA loan experience and make your homeownership dreams a reality. Don't let limited options hold you back - unlock Movement Boost and discover the true potential of FHA loans today!


1. What is the Movement Boost for FHA loans?

The Movement Boost is a program designed to boost your FHA loan options by providing additional benefits and support for borrowers. It can help you qualify for a higher loan amount, lower interest rates, or reduced down payment requirements.

2. How can I unlock the power of Movement Boost?

To unlock the power of Movement Boost, you need to work with a qualified lender who offers this program. They will guide you through the application process and help determine if you are eligible for any additional benefits or incentives.

3. Who is eligible for Movement Boost?

Eligibility criteria can vary depending on the lender and specific program guidelines. However, generally speaking, borrowers who meet certain income requirements, credit scores, and debt-to-income ratios may be eligible for Movement Boost.

4. What are the advantages of using Movement Boost for my FHA loan?

Using Movement Boost for your FHA loan can provide several advantages including access to more flexible lending options, potentially lower interest rates, reduced mortgage insurance premiums, and assistance in overcoming financial hurdles that could otherwise hinder your ability to secure a favorable home loan option.

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