Starting in 2016, HUD is making home ownership more affordable for millions of Americans with the loan limits in 188 counties set to increase due to changes in housing prices.

More about this update:
FHA Mortgage Insurance

FHA Loan Rates

February 13, 2016
FHA Rates for February 13, 2016
Offering 30 Year Fixed Mortgages
Offering 15 Year Fixed Mortgages
Use our mortgage calculators
to see what you can afford!

FHA Reference Guide

Download our "FHA Home Loans 101" guide for home buyers.

It's free!

QUALIFY FOR AN FHA LOAN

Compare FHA
Mortgage Rates

FREE CREDIT SCORE

Free Credit Score

Do you know what's on your credit report?

Learn what your score means.

FHA.com is a private company, is not a government agency, and does not make loans.

FHA Loans for Home Owners

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 Reverse Mortgage Loans for Qualified Borrowers

The reverse mortgage allows qualified borrowers to tap into the value of their home, and it’s an option many borrowers either close to owning the home outright or who have already paid off their mortgage loans may consider.

FHA Loans and Tax Service Fees

Tax fees are definitely among the expenses of doing business as a lender and a borrower may also require some tax assistance in the course of providing documentation to the lender about previous or current year income taxes.

Refinance Loans: True and False

The preparation phase for an FHA refinance loan is important, and if you start early the same way as preparing for the original purchase loan, you may save yourself some valuable time later on.

FHA Eases Condo Approval Guidelines

In November of 2015, the FHA and HUD ran a press release announcing temporary guidance making it easier to get a condo project added to the approved list for an FHA mortgage loan.

Minimum Property Standards for Power Lines and Access to Property

The rules for overhead power lines are specific--where they pass by or through the property can be a problem depending on the location of those lines.

Home Loan Standards for Lead Hazards

Early in 2015, FHA/HUD announced a settlement with a Rockford, Illinois landlord to resolve a claim he failed to inform tenants, some with young children, that their homes may contain potentially dangerous lead.

Applying for an FHA Loan Following a Deed-In-Lieu of Foreclosure

There are plenty of future FHA loan applicants who want to know about the possibility of getting an FHA home loan when there is a deed-in-lieu of foreclosure (DIL) action on the applicant’s credit history.

How To Prepare for an FHA Cash-out Refinace Loan

For those who want to cash in on the value built up in the home over time, the FHA cash-out refinance is an important option to consider.

Minimum FHA Loan Standards for Properties Served by Wells

When the FHA and HUD published new single family home loan rules in HUD 4000.1, they replaced all the previous FHA/HUD publications with rules and regulations for FHA mortgages. 

Get Ready For An FHA Loan Application

Smart borrowers take plenty of time to plan their new home purchase. It’s important to set budget, examine credit scores and reports, save up money for a down payment, plus the fees and expenses required as part of getting the loan.