Recent changes to FHA loan requirements: Limits, residency and credit

Written by Samantha SheltonNMLS 1647301Updated November 2026

Two things have changed for FHA borrowers since the start of 2025: loan limits went up twice, and residency eligibility narrowed. For 2026, FHA’s floor for a one-unit home is $541,287 and the high-cost ceiling is $1,249,125, up from $524,225 and $1,209,750 in 2025. Separately, HUD removed non-permanent residents from FHA eligibility.

What did not change is the part most buyers worry about: a 580 score still qualifies for 3.5% down, and scores from 500 to 579 still require 10% down.

Dated policy update: HUD Mortgagee Letter 2025-09, issued March 26, 2025, removed the non-permanent resident sections from FHA’s eligibility rules. It had to be applied to FHA case numbers assigned on or after May 25, 2025.

Learn what changed in FHA loan requirements, including the current limits, the residency rule, the credit tiers that held firm, and how to check whether a rule has moved since. If you’re new to the program, start with our FHA loans overview.

Key takeaways:

• Limits rose again for 2026: The one-unit floor is $541,287 and the high-cost ceiling is $1,249,125, up from $524,225 and $1,209,750, and your actual limit is set by your county, not by the national numbers.
• Residency eligibility narrowed on May 25, 2025: Mortgagee Letter 2025-09 eliminated FHA eligibility for non-permanent resident borrowers on case numbers assigned on or after that date.
• Credit and down payment minimums held: A 580 minimum decision credit score still gets 3.5% down, 500 to 579 still requires 10% down, and below 500 is still ineligible.

What is an FHA loan, and what changed?

An FHA loan is a mortgage insured by the Federal Housing Administration, made by an approved lender, that allows a down payment as low as 3.5% of the purchase price on one- to four-unit properties.¹ HUD is blunt about the appeal: low down payments, low closing costs, and easier credit qualifying than most conventional programs.

FHA is not a lender. It insures loans that lenders originate, which is why HUD sets a rule floor and lenders build on top of it. That distinction matters for reading any headline about a “change”: some come from HUD and bind everyone, some come from a single lender and bind only its borrowers. For the wider map of insured and guaranteed programs, see our guide to government-backed loans, and for how FHA sits beside conventional, VA and USDA options, our loan types and programs guide.

Since January 2025, HUD has moved on three fronts: annual loan limits, borrower residency, and a cluster of paperwork and appraisal requirements it decided cost more than they were worth. Read HUD’s own overview of FHA loan programs for the basics.

What are the new FHA loan limits?

For 2026, FHA’s national one-unit limits run from a floor of $541,287 to a ceiling of $1,249,125, with your county deciding where you land. Both moved up from 2025, when the floor was $524,225 and the ceiling was $1,209,750. Here is the change by property type.

One correction worth making, because it trips up a lot of coverage: the conforming loan limit is not the FHA limit. The Federal Housing Finance Agency sets the baseline conforming loan limit for Fannie Mae and Freddie Mac, $832,750 for a one-unit property in 2026, up $26,250 from $806,500 in 2025, tracking a 3.26% rise in its house price index. FHA derives its own limits from that baseline: the low-cost floor is 65% of it, and the high-cost ceiling is 150% of it. That is why FHA’s floor sits far below the conforming baseline while its ceiling sits well above it. Confirm the baseline against the FHFA conforming loan limit values.

The floor is the number that matters for most of the country: about 86% of county records in HUD’s 2026 limit file sit at it. The ceiling applies only where local median prices push the calculated limit past it. Our deep dive on FHA loan limits walks through how a county’s number is calculated, and what happens when your purchase price lands above it.

Who can no longer get an FHA loan?

Non-permanent residents. Mortgagee Letter 2025-09, dated March 26, 2025, removed FHA’s non-permanent resident sections in their entirety, eliminating eligibility for that category of borrower. Lenders could apply it immediately, but had to apply it to FHA case numbers assigned on or after May 25, 2025.

The scope is broad within FHA: the letter applies to all FHA Title II single-family forward mortgage programs and to Home Equity Conversion Mortgages. HUD tied the change to executive actions directing federal benefits toward citizens and lawful permanent residents.

Who remains eligible is worth stating precisely, because secondhand summaries often clip it short:

• U.S. citizens: Unaffected. Nothing in the letter changes citizen eligibility.
• Lawful permanent residents: Eligible on the same requirements, terms and conditions as U.S. citizens. The file must include evidence of lawful permanent residence, and the borrower must be identified as a lawful permanent resident on the loan application.
• Citizens of the Federated States of Micronesia, the Republic of the Marshall Islands, or the Republic of Palau: Still eligible on the same terms as U.S. citizens, with evidence of that citizenship in the file. This category survived the change and is routinely left out of secondhand summaries.
• Non-permanent residents: No longer eligible for FHA-insured financing.

One documentation note carried into the updated rule: a Social Security card alone does not prove immigration or work status.

What are your options if you lost eligibility?

Three routes stay open, none of them through FHA. Because Align is a broker rather than a single lender, we can compare all three side by side instead of steering you toward the one product a bank happens to sell.

• Conventional financing: Fannie Mae and Freddie Mac set their own eligibility rules, independent of FHA’s. Down payments can start low, but a conventional loan with less than 20% down generally requires private mortgage insurance, the CFPB explains how mortgage insurance works.
• Non-QM programs: Written for borrowers whose income, documentation or residency profile doesn’t fit agency templates. Pricing is typically higher, and terms vary widely between lenders.
• Portfolio loans: A lender that keeps the loan on its own books writes its own rules, residency included. Availability depends entirely on which lenders you can reach.

Check your case number date first: the rule keys to case number assignment, and Mortgagee Letter 2025-09 let lenders adopt it immediately. So a file numbered before May 25, 2025 was not required to follow the new rule, but its lender may have applied it early, ask, rather than assume. Our comparison of loan types lays out where each program’s guidelines are set, and by whom.

How many FHA buyers did the residency change affect?

When HUD issued the rule, it said it could not count them. Mortgagee Letter 2025-09 states that FHA does not retain citizenship or residency data from the loan application and keeps no count of the non-permanent residents it insured under past policies, according to the text of the letter. The letter cites 24 CFR 203.33, the regulation that requires a borrower to show that gross income “is and will be adequate” to meet the mortgage payments and other long-term obligations; the current text is on eCFR.

A later estimate came from outside FHA’s own files. In an October 9, 2026 release, HUD reported that, according to Intercontinental Exchange data, non-permanent residents had accounted for about 5.8% of FHA purchase originations before the change, and that their share fell to about 0.1% afterward. The same HUD release says Title I Letter 490, issued with the Mortgagee Letter in March 2025, removed the category from FHA’s Title I programs as well, with the same May 25, 2025 effective date.

The National Association of Realtors, a trade group, summarized the scope for its members on April 14, 2025: the change reached the Title I Property Improvement and Manufactured Home Loan programs, Title II single-family loans and HECM reverse mortgages, per NAR’s Washington Report. That summary names only U.S. citizens and lawful permanent residents as eligible, and leaves out the citizens of Micronesia, the Marshall Islands and Palau whom the letter itself keeps eligible. If you are financing a manufactured home, our guide to manufactured homes covers the other financing paths.

For a lawful permanent resident, the letter says U.S. Citizenship and Immigration Services provides the evidence of status the file must hold. USCIS describes the Green Card, officially the Permanent Resident Card, as allowing you to live and work permanently in the United States. The non-QM and portfolio routes listed above are covered in our jumbo and non-QM guide.

Did FHA credit score and down payment rules change?

No. The credit tiers are unchanged. What drives them is your minimum decision credit score: the median of three reported scores, the lower of two, or the single score if only one is reported, and on a joint application, the lowest of those across all borrowers.

The gap between the top two tiers is real money. Hypothetical example, not an offer: on a $300,000 home in Waterford, 3.5% down is $10,500 and a 10% down payment is $30,000, a $19,500 difference driven by a credit score band.² That gap is a reason to work on your credit before you write an offer.

Two caveats belong with that table. FHA’s minimums are a floor, not a promise: lenders in Align’s network may layer stricter overlays on top, which is why two lenders quote the same borrower differently on the same day. And meeting the credit minimum is not the same as being approved. Income, debts and the property still have to qualify. Our FHA loan tips cover what actually moves an underwriter.

What else changed in FHA’s recent policy updates?

Four other 2025 letters changed requirements borrowers actually feel. These are smaller than the limit and residency changes, but they’re the ones that show up in your file.

• Boarder income got easier to use (ML 2025-04, January 13, 2025): FHA cut the required history of boarder income from two years to 12 months, with income documented for at least nine of the most recent 12. Proof can now be bank statements, canceled checks or deposit slips rather than tax returns alone. Boarder income is capped at 30% of the total monthly effective income used to qualify, and the rule applied to case numbers assigned on or after March 14, 2025.
• One form disappeared (ML 2025-15, June 27, 2025): HUD rescinded the requirement to collect the Supplemental Consumer Information Form, Fannie Mae/Freddie Mac Form 1103. Its stated reason: in fiscal year 2024, only 1.2% of FHA borrowers completed the form in a way that produced any potential benefit to them.
• Appraisal protocols were trimmed (ML 2025-18, June 27, 2025): HUD removed FHA-specific appraisal requirements it called outdated and costly, including remaining-economic-life reporting, photograph requirements exceeding industry standards, and a redundant requirement for additional comparable sales and listings.
• A new-construction flood standard was rolled back (ML 2025-17, June 27, 2025): HUD rescinded the Federal Flood Risk Management Standard elevation requirement adopted for FHA new construction in ML 2024-20, restoring the prior standard.

Notice the dates: three of the four landed on one day. That is why “recent changes” coverage goes stale so fast, and why we keep a running record in Federal Housing Administration updates. On a renovation purchase, the appraisal changes also touch FHA 203(k) loans, which carry their own consultant and draw requirements.

What changed for FHA 203(k) renovation loans?

Two letters, two years apart, reshaped the smaller of FHA’s two renovation options. HUD’s July 9, 2024 announcement raised the Limited 203(k) cap on total rehabilitation costs from $35,000 to $75,000, extended the rehabilitation period to 12 months for the Standard 203(k) and nine months for the Limited, and raised the fees a 203(k) consultant may charge, a schedule HUD said had not been updated since 1995. Mortgagee Letter 2024-13 made those changes mandatory for FHA case numbers assigned on or after November 4, 2024, according to the letter.

Then the draws. Mortgagee Letter 2026-06, dated June 23, 2026 and effective immediately, replaced the Limited 203(k)’s two-draw limit with a maximum of four draw requests per contractor: the initial draw at closing, no more than two intermediate draws and a final release. HUD’s stated reason in Mortgagee Letter 2026-06 was that two draws no longer fit the $75,000 ceiling and disrupted contractor cash flow, which raised the risk of delays and abandoned projects. The Standard 203(k) keeps its maximum of five draw requests, four intermediate and one final, and the letter clarifies that a draw may be paid in more than one disbursement.

Some rules held. A Standard 203(k) requires a 203(k) consultant and rehabilitation costs of at least $5,000, per HUD’s 203(k) program types page. Under 24 CFR 203.50, a 203(k) loan may also cover the interior of a condominium unit, excluding areas that are the association’s responsibility, per the regulation; our guide to condominium financing covers the project approval side.

The conventional alternatives moved less. HUD’s program comparison fact sheet, revised November 4, 2024, lists a contingency reserve of up to 15% for FHA 203(k) against up to 20% for Fannie Mae’s HomeStyle Renovation and Freddie Mac’s CHOICERenovation. The FDIC’s summary of HomeStyle Renovation, posted July 2024, lists a 620 minimum credit score and renovations of up to 75 percent of the as-completed appraised value, per the FDIC product sheet. Our conventional loans guide explains how those programs set their own rules.

How strong is FHA’s insurance fund after these changes?

Its capital sits well above what Congress requires. HUD reported that FHA’s Mutual Mortgage Insurance Fund had a capital ratio of 11.47 percent and $188.9 billion in capital as of September 30, 2025, in its January 2, 2026 fiscal year release. The same release reported that FHA supported more than 876,000 Americans in fiscal year 2025, and that first-time buyers made up more than 83 percent of FHA forward purchase endorsements. If that describes you, our first-time home buyer guide covers the steps around the loan.

The National Association of Home Builders, a trade group, noted on January 2, 2026 that the 11.47% ratio was unchanged from fiscal year 2024 and well above the congressionally mandated 2% capital ratio, per its analysis.

Why a borrower should care: the fund is what FHA looks at when it sets premiums. Mortgagee Letter 2023-05 says FHA periodically re-evaluates the appropriate level of mortgage insurance premium pricing based on the state of the fund, and on that basis it reduced the annual premium on Title II forward mortgages endorsed on or after March 20, 2023, per the letter. Our guides to mortgage insurance and refinancing to remove mortgage insurance, and the PMI removal calculator, which follows HUD’s FHA rules, show how long the annual premium stays on a loan.

How do you check whether an FHA rule has changed?

Check three sources, in this order, and trust them over any article that doesn’t cite a dated document.

• Start with the Mortgagee Letter: HUD announces binding FHA policy changes in numbered, dated Mortgagee Letters. If a claimed change has no ML number behind it, treat it as unconfirmed. Proposed legislation is not a rule.
• Check your county limit directly: HUD publishes an FHA mortgage limits lookup returning one- through four-unit limits by state, county and calendar year. National floor and ceiling figures are a starting point, not your number.
• Watch the case number date: Nearly every FHA change keys to when your case number is assigned, not when you applied or when you close, annual limits take effect for case numbers assigned on or after January 1. That detail decides which version of the rules governs your file.

For changes reaching past FHA into the wider lending rulebook, our mortgage regulation updates page tracks the same question across programs.

What Michigan buyers should know

Michigan is a floor state, and none of the recent updates changed that. In HUD’s 2026 limit file, all 83 Michigan counties carry the same one-unit FHA limit of $541,287. There is no high-cost designation anywhere in the state.

• Every county is at $541,287: The highest county median sale price in HUD’s 2026 Michigan data is $435,000, shared by the four Traverse City metro counties, Benzie, Grand Traverse, Kalkaska and Leelanau. Run the 115% formula on that and you get about $500,250, still under the floor, so the county stays at $541,287. That’s why the $1,249,125 ceiling is irrelevant here.
• The FHA limit binds before the MSHDA price cap: The Michigan State Housing Development Authority sets a statewide MI Home Loan sales price limit of $566,355 after June 1, 2026. On an FHA file, the $541,287 county limit is the tighter of the two.
• MSHDA’s credit minimum is higher than FHA’s: The MI Home Loan requires a 640 credit score, 60 points above FHA’s 580 threshold for 3.5% down. If you’re counting on down payment assistance, plan around 640, not 580.
• MI 10K DPA is up to $10,000, interest-free: Michigan’s statewide assistance loan covers down payment, closing costs and prepaid expenses with no monthly payments, deferred until the first mortgage is paid off, the home is sold or refinanced, or it stops being owner-occupied. It must be combined with a MSHDA MI Home Loan, and homebuyer education is required.

Because we place Michigan files every week, we can tell you early which of the two binds your purchase.

How far below the FHA limit are Michigan’s county price figures?

The gap is wide. HUD’s FHA mortgage limits lookup lists, beside each county’s limit, the median sale price HUD used to set it: for a metro area, the figure of its highest-priced county, from the highest-price year since 2008. HUD explains on that page that the median only sets the one-unit limit when 115% of it falls between the national floor and ceiling.

In the Michigan list effective January 1, 2026, per the same HUD lookup: the Grand Rapids-Wyoming-Kentwood counties, Barry, Ionia and Kent, carry a $365,000 median; Livingston and Lapeer, in the Detroit-Warren-Dearborn metro, $362,000; Ingham $270,000; Kalamazoo $240,000; Genesee $175,000; and Lake $86,000. At 115%, the Grand Rapids figure works out to $419,750, more than $120,000 below the $541,287 floor.

Those are HUD’s limit-setting figures, not a current sale price. For actual prices, HUD’s Comprehensive Housing Market Analysis for Detroit-Dearborn-Livonia reported an average home sales price of $198,600 as of January 1, 2024, which it called a near-record high.

To see a county’s FHA and conforming limits side by side, use the loan limits tool, which reads HUD’s and FHFA’s published tables.

One Michigan rule changes the payment on any FHA purchase, whatever the limit. In Michigan, a home’s taxable value is capped while one owner holds it. The year after it sells, that cap comes off and taxable value resets to the state equalized value, which is half of the assessor’s estimate of market value, not automatically half of what you paid. That is the Michigan Department of Treasury’s rule on ownership changes, set in MCL 211.27a. The Michigan property tax calculator shows how to plan around the post-sale bill.

MSHDA’s MI Home Loan, the state program behind the MI 10K DPA, is open to first-time buyers statewide, meaning anyone who has not owned a home in the previous three years, and to repeat buyers in targeted areas, and household income limits apply by family size and property location, per the MI Home Loan page. Our guides to state assistance programs and first-time buyer grants and programs compare it with other help.

FAQ: Recent FHA loan requirement changes

Here are answers to common questions about recent changes to FHA loan requirements.

What is the FHA loan limit now?

For a one-unit home, FHA limits run from a floor of $541,287 in most counties up to a ceiling of $1,249,125 in high-cost areas for 2026, up from $524,225 and $1,209,750 in 2025. Your county sets the actual number, and limits climb for two-, three- and four-unit properties. FHA recalculates each year against the FHFA conforming baseline, which is $832,750 for one-unit properties in 2026. Our guide to FHA loan limits shows how a county’s figure is derived.

Can non-permanent residents still get an FHA loan?

No. Mortgagee Letter 2025-09 removed non-permanent resident eligibility for case numbers assigned on or after May 25, 2025. FHA financing now reaches U.S. citizens, lawful permanent residents, and citizens of the Federated States of Micronesia, the Republic of the Marshall Islands and the Republic of Palau. Borrowers affected by the change should look at conventional, non-QM or portfolio programs, which set their own residency rules, see our guide to government-backed loans for where each program’s rules come from.

Did FHA credit score requirements change?

No. The thresholds are unchanged. A minimum decision credit score of 580 or higher still qualifies for the 3.5% minimum down payment, scores between 500 and 579 still require at least 10% down, and below 500 is not eligible for FHA-insured financing. Individual lenders can layer stricter overlays above the FHA minimum, which is one reason quotes vary from lender to lender on the same file. Our FHA loan tips cover how to prepare for the tier you’re in.

How do I find the FHA loan limit for my county?

Use HUD’s FHA mortgage limits lookup tool, which returns current one- through four-unit limits by state and county for the calendar year you select. Limits are updated annually and take effect for case numbers assigned on or after January 1. If your purchase price sits above the county limit, the gap has to come from a larger down payment or a different loan type. In Michigan the answer is the same in all 83 counties, as our record of Federal Housing Administration updates tracks each year.

What are the current FHA mortgage insurance premiums?

Under Mortgagee Letter 2023-05 (February 22, 2023), the upfront premium is 1.75% of the base loan amount. On a term over 15 years with a base loan at or below the national conforming limit, the annual premium is 0.55% above 95% loan-to-value and 0.50% at 95% or less. It lasts the life of the loan unless you started at 90% or less, when it ends after 11 years. See the premium tables.

What are the 2026 FHA limits for two- to four-unit homes in high-cost areas?

The high-cost ceilings are $1,599,375 for two units, $1,933,200 for three and $2,402,625 for four, set at 150 percent of the $832,750 national conforming limit by Mortgagee Letter 2025-23 (December 11, 2025). No Michigan county reaches them. Because every county in the state uses the floor, a Michigan fourplex is capped at the $1,041,125 four-unit floor, per the letter.

Can a county’s FHA loan limit be raised?

Yes, through an appeal. Mortgagee Letter 2025-23 (December 11, 2025) notes that FHA permits appeals to change high-cost area loan limits under Handbook 4000.1, section II.A.2.a.ii(A), Requests for Local Increases. A metro area’s limit is set from the county with the highest median price in it, which is why every county in a metro shares one figure. Read the letter.

Is HUD changing its flood rules for FHA again?

A proposal is pending. On July 10, 2026, HUD published a proposed rule that would generally restore its floodplain regulations to their state before the April 23, 2024 final rule, while keeping some flexibilities from it. Comments closed September 8, 2026 under docket FR-6527-P-01. A proposed rule takes effect only once a final rule is published. See buying a home in a flood zone.

Who can answer a question about an FHA rule change?

HUD runs two lines. The FHA Resource Center takes questions about Mortgagee Letters at 1-800-CALLFHA (1-800-225-5342) or answers@hud.gov, as listed at the end of Mortgagee Letter 2025-09. For one-on-one help with a purchase, HUD points buyers to a HUD-approved housing counselor at (800) 569-4287 on its FHA loans page. Neither replaces a lender’s review of your own file.

The bottom line on recent FHA changes

The headline changes are a higher ceiling and a narrower door. FHA’s one-unit limits rose to a floor of $541,287 and a ceiling of $1,249,125 for 2026, up from $524,225 and $1,209,750, derived as 65% and 150% of the $832,750 conforming baseline, not equal to it. Mortgagee Letter 2025-09 ended FHA eligibility for non-permanent residents on case numbers assigned on or after May 25, 2025. Credit and down payment rules held: 580 for 3.5% down, 500 to 579 for 10% down, below 500 ineligible. In Michigan, every county sits at the floor. If FHA no longer fits, refinancing out of an FHA loan later is a separate calculation worth running.

If you’re ready to find out which program you actually qualify for under the current rules, talk to Align Lending. We’ll shop your scenario across our lender network and show you the numbers side by side. Call 248-506-5727 or start online.

Footnotes:

1. Align Lending is not acting on behalf of or at the direction of FHA or HUD. FHA program requirements, loan limits and eligibility rules are set by HUD in Mortgagee Letters and the FHA Single Family Housing Policy Handbook 4000.1 and are subject to change; confirm current requirements with HUD or an FHA-approved lender. Return to text.

2. Example figures in this article are hypothetical and for educational purposes only; they do not constitute an advertisement of credit terms or a rate quote under federal or state lending laws. Your down payment, rate and terms depend on your application, your property, your loan program and market conditions, and will be itemized on your Loan Estimate. Return to text.

Sources: FHA 2025 nationwide forward mortgage limits, the low-cost area floor set at 65 percent and the high-cost area ceiling set at 150 percent of the national conforming limit of $806,500, and the January 1 case-number effective date, HUD Mortgagee Letter 2024-21 (November 26, 2024). FHA 2026 one- through four-unit floor and ceiling limits and Michigan county limits, HUD CY2026 FHA forward mortgage limits data file and HUD’s FHA Mortgage Limits lookup tool, effective January 1, 2026. 2026 baseline conforming loan limit value of $832,750 for one-unit properties, an increase of $26,250 over 2025, and 3.26 percent house price growth between the third quarters of 2024 and 2025, Federal Housing Finance Agency. Removal of non-permanent resident eligibility, continued eligibility of lawful permanent residents and citizens of the Federated States of Micronesia, the Republic of the Marshall Islands and the Republic of Palau, application to Title II forward and HECM programs, and the May 25, 2025 case-number effective date, HUD Mortgagee Letter 2025-09 (March 26, 2025). Minimum decision credit score definition, ineligibility below 500, maximum financing at 580 and above, 90 percent maximum LTV between 500 and 579, and 96.5 percent maximum purchase LTV, HUD Single Family Housing Policy Handbook 4000.1, sections II.A.1.b.ii(A)(3) and II.A.2.a. Boarder income 12-month history, nine-of-12-months documentation, permitted documentation types, 30 percent cap on total monthly effective income, and the March 14, 2025 case-number effective date, HUD Mortgagee Letter 2025-04 (January 13, 2025); the prior two-year tax-return standard, Handbook 4000.1 sections II.A.4.c.xii(I)(4) and II.A.5.b.xii(I)(4). Rescission of the Supplemental Consumer Information Form requirement and the 1.2 percent fiscal year 2024 completion figure, HUD Mortgagee Letter 2025-15 (June 27, 2025). Rescission of remaining economic life reporting, excess photograph requirements and redundant comparable sales and listings requirements, HUD Mortgagee Letter 2025-18 (June 27, 2025). Rescission of the Federal Flood Risk Management Standard for new construction eligibility adopted in ML 2024-20, HUD Mortgagee Letter 2025-17 (June 27, 2025). Private mortgage insurance applies to conventional loans with less than 20 percent down, Consumer Financial Protection Bureau. MI Home Loan minimum 640 credit score, statewide sales price limit of $566,355 after June 1, 2026, and first-time buyer definition; and MI 10K DPA of up to $10,000, interest-free, with no monthly payments and deferred repayment, Michigan State Housing Development Authority (michigan.gov).

This article is for informational purposes only and is not intended to provide legal, financial, or tax advice. FHA loan limits, eligibility rules and program requirements change and vary by county, property type and loan program; confirm your figures with HUD, your Loan Estimate and a qualified professional about your situation. Figures shown are illustrative, are not a rate quote or an offer of credit, and are subject to change. Align Lending is an independent Michigan mortgage broker, NMLS #2041154.

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