An FHA loan is a mortgage that is insured by the Federal Housing Administration (FHA). This means that the FHA guarantees the loan to the lender, which makes it easier for borrowers to qualify for a mortgage, even if they have a lower credit score or a higher debt-to-income ratio. To get an FHA loan, you can start by talking to a lender who is approved to offer FHA loans. The lender will assess your financial situation and help you determine if you qualify for an FHA loan. If you do qualify, the lender will help you through the application process and closing process.