FHA home loans were created to help minorities and first-time homebuyers purchase a home. The annual percentage rate is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, broker fees, and certain other credit charges that the borrower is required to pay.

APR Disclaimer

Annual Percentage Rate

Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are subject to credit and property approval based on secondary market guidelines. The APR calculation is based on a loan amount of $100,000 for the purchase of a primary residence, with 20% down, closing costs of $1,220.20 plus points shown, 15 days of prepaid interest and a 30-day lock. The APR shown for ARMs may be increased after consummation.

Why Should I Consider an FHA Home Purchase Loan?

There are many reasons for homebuyers to investigate an FHA home purchase. Your loan is guaranteed by the government, making your application more attractive to lenders.

Credit Rating, Missed Payments, and FHA Refinance Loans

When you decide to apply for an FHA refinance loan, your lender may have a look at your credit rating. This is a source of stress for many, especially those who need to refinance because they risk default or foreclosure on ARM loans or non-FHA loans with variable interest rates.

ADDITIONAL ARTICLES

How are FHA Refunds Determined?

FHA Issues Sanctions Against 120 Lenders

FHA Updates Rules on 2009 Tax Credit and FHA Loan Down Payments

What Is RESPA and How Does It Affect My FHA Loan?

Does the FHA Owe You a Refund?

FHA Home Loans and Property Taxes

Prepaying FHA Loans

FHA Loan Myths—'I’m Self-Employed, So I Don’t Qualify For an FHA Home Loan'

What is a 'Non-Purchasing Spouse?'

Could Down Payment Assistance Programs Make a Comeback?

Frequently Asked Questions: The 2009 First-Time Homebuyer's Tax Credit

$8,000 Worth of Great News for First-Time FHA Loan Homebuyers

Mortgage Insurance and the Obama Mortgage

FHA Cash-Out Refinancing Changes as of April 2009

Cash Back, Closing Costs and FHA Streamline Loans

FHA Loans and Your Rights

Can I Make an FHA Home Purchase for a "Fixer-Upper"?

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