We are committed to providing excellent customer service. Please note that we are not the FHA. HUD insures the FHA loans that we assist people in getting.

FHA Loan Rates

July 1, 2016
FHA Rates for July 1, 2016
Offering 30 Year Fixed Mortgages
Offering 15 Year Fixed Mortgages
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FHA.com is a private company, is not a government agency, and does not make loans.

Contact Our FHA Loan Experts

Committed to Providing Excellent Customer Service

NOTE: We are not the FHA.

HUD insures the FHA loans that we assist people in getting. If you need to contact the FHA directly, we suggest that you contact the Department of Housing and Urban Development.

HUD funds housing counseling agencies throughout the country that can give you advice on buying a home, renting, defaults, foreclosures, credit issues, reverse mortgages or any general questions.

Their official web sites are http://www.fha.gov and http://www.hud.gov.

Find the address of a HUD office near you:

http://www.hud.gov/offices/hsg/sfh/hoc/hsghocs.cfm

US Department of Housing and Urban Development

451 7th Street, S.W., Washington, DC 20410 Toll Free (800) 225-5342

answers@hud.gov

Should you have any questions about the site you are currently on, please e-mail us at: assistance@fha.com

Lender looking to participate on our site? Contact us at: assistance@fha.com

FHA Loan Articles

Read About Mortgage News, FHA Updates, and Guidelines
FHA Loan Rules: Credit Report Inquiries

Your loan officer is required to show on paper that a potential borrower can afford both monthly financial obligations owed currently, plus the amount of those financial commitments with the added the amount of a potential new monthly mortgage payment.

Participating Lender Standards for FHA Loans

There are many common questions about FHA home loans. One area that confuses some borrowers or potential borrowers has to do with the difference between FHA single family loan rules and minimum standards, and individual lender standards.

Learning About FHA Loan Standards

One common misunderstanding about FHA loans and FHA refinance loans has to do with the difference between FHA loan minimum standards and the standards of a specific financial institution.  The FHA loan rulebook is often not the final word on certain issues.

Can a Borrower Use Disability Income to Qualify?

There are many different types of income a lender may be required to verify as part of a borrower’s FHA loan or refinance loan application. Some types of income aren’t as traditional as others, yet may still qualify to be included in the borrower’s debt-to-income ratio.

Credit Check Rules for Co-signers and Co-borrowers

Not everyone who signs on the dotted line for a home loan may intend to occupy the property as their primary residence. Some may be non-occupying co-borrowers who are still financially obligated on the loan but don’t want to use the property as their main residence.