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

October 24, 2016
FHA Rates for October 24, 2016
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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.

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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:


US Department of Housing and Urban Development

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


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

Mortgage News, FHA Credit Requirements, and Guidelines
Income and Debt Ratios for FHA Mortgages

What does a borrower needs to know when preparing to apply for an FHA mortgage? There is a list of items to pay attention to that does include FICO scores; you may find that lenders are looking for FICO scores averaging between 620 and 640.

FHA Loan Rules for Overtime and Bonus Payments

Can an FHA loan applicant use current overtime income or bonus payments to help qualify for a mortgage? Do these payments count towards overall monthly or annual income? This can be a tricky question to answer because not all overtime or bonus payments are alike. 

Can I Use 401K Income to Qualify for an FHA Mortgage?

Many borrowers want to know if the income coming from 401K accounts can be used as part of the debt to income calculation. What does the FHA loan rule book say about using a 401K to qualify? Are there cases where 401K income can be used in eligibility calculations?

FHA Amends Rehab Loan Policies

In August 2016, the FHA issued a press statement announcing amended policies for the FHA 203(k) Rehabilitation Mortgage Insurance Program. The policies were specifically changed regarding the 203(k) Consultant Draw Inspection Fee.

The Obama Mortgage, Refinancing, and HARP

Many people refer to government foreclosure avoidance programs as Obama mortgages, but the Making Home Affordable program is basically the original Obama mortgage. It includes a variety of options for those who need help to better afford their monthly house payments.