An FHA refinance mortgage allows for the refinance of a home with a low down payment. These FHA loans are also great for first-time homebuyers who can purchase a home with flexible guidelines and affordable mortgage payments.

Loan Rates

September 30, 2014
30 Year Fixed
3.95% Rate
4.25% APR
15 Year Fixed
3.0% Rate
3.29% APR

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Whether you're a first time homebuyer, moving to a new home, or want to refinance your existing conventional or FHA mortgage, the FHA loan program will let you purchase a home with a low down payment and flexible guidelines.

FHA Loan Articles

Read About Mortgage News, FHA Updates, and Guidelines
FHA Rules for Adding Repairs to the Home Sale Price

If you have ever wanted to buy a home, but in the end decided to pass on the deal because of repair costs, you might be affected by the FHA loan rules for such situations under the right circumstances.

FHA Loan Rules on Student Loan Debt

The borrower who has a parent paying student loan debt every month may be able to show the cash income from that payment is stable and reliable. Debt listed in their own name can and probably will be included in debt-to-income ratio calculations.

Is There a No Money Down FHA Loan Option?

FHA home loans do not feature a no money down option. One type of government-backed home loan program does, but VA loans are for qualified veterans and currently serving military members.

Program Changes for FHA Home Equity Conversion Mortgages

Home Equity Conversion Mortgages are for eligible borrowers age 62 or older, and feature no monthly mortgage payment for the borrower. Changes were announced effective June 2014.

FHA Loan Documentation Your Loan Officer Needs

Your FHA loan application can include a variety of documentation that is required to help the lender process your loan. Privacy is a bigger issue than ever.

Can the Seller Pay for FHA Home Loan Expenses?

FHA loan rules govern a wide range of issues when it comes to the purchase of a home with an FHA mortgage. The seller would be allowed to contribute up to six percent of the sales price of the property without a penalty.

FHA FICO Score Facts

The FHA Bad Credit Loan myth is a common one, but the truth of the matter is that FHA loan rules, as printed in HUD 4155.1, do list minimum credit scores.

Do Bad Credit FHA Home Loans Exist?

The single-family FHA loan program does not specifically offer a bad credit mortgage loan. FHA loan rules require the borrower to have a FICO score of at least above 500.

Tax Documents and FHA Home Loan Applications

When applying for an FHA home loan, some lenders may ask for tax paperwork as part of the application process. Some borrowers may wonder if this is legal, or an acceptable practice for home loans in general.

Applying for an FHA Loan After Previous Delinquencies

After the housing market crisis of the previous decade, many mortgage borrowers found themselves having trouble making their monthly payments. In some cases, borrowers just walked away from the mortgage completely and allowed the home to be foreclosed upo

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