FHA loans can make your homebuying dream a reality with competitive rates and a low down payment. Prepare for your FHA home loan with some important steps to make sure you can afford the mortgage.

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FHA Loan for Homeowners

Take the Steps to Get Your Mortgage

Purchasing a home is one of life's major landmarks and for some, it is even a dream come true. At FHA.com we understand the magnitude of this decision and it is our goal to make your transition into home ownership unforgettable. Regardless of whether this is your first or your fifth home purchase we will do our best to ensure that getting you into your new home is a pleasant and memorable experience.

FIRST STEPS

When you begin to seriously consider purchasing a new home it is important that you follow some simple steps to make sure that the process runs smoothly.

The first thing you should do is an analysis of your debt to income ratio. This important step will let you know what type of home you can afford based on your monthly income and expenses.

The next important step in purchasing a new home is to get pre-approved for a home loan. The peace of mind that comes with knowing that your mortgage loan and credit report have been approved will allow you to shop for your new home with confidence. And when you find a home and are ready to make an offer the fact that you have already been pre-approved for your loan amount will give the seller confidence in you as a buyer.

FHA NEWS and RELATED ARTICLES

Rules for FHA Loans Following a Short Sale

Borrowers who have experienced financial trouble and wind up selling their property in a short sale arrangement often recover from their difficulties and feel ready to become homeowners once more.

How Long are the Terms for FHA Mortgages?

If you're applying for a first-time FHA home loan, you're likely wondering how long your mortgage will be and what kinds of options you might have for shorter or longer loans, early payoff or what happens if you just pay the monthly mortgage minimum.

About VA Interest Rate Reduction Refinancing Loan

If you seek lower monthly payments and a lower interest rate on an existing VA home loan, the VA Interest Rate Reduction Refinancing Loan or IRRRL is designed to help.

No Credit Check Refinancing

There are many questions about VA refinancing loans. One that comes up occasionally has to do with the credit check procedures associated with some kinds of VA refinance loans.

VA Loans and Title Insurance

Does the VA require title insurance? Some borrowers may discuss their VA loan options with a lender that does require title insurance, but is this a VA-mandated or lender required feature of VA home loans?

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Remember, the FHA does not make home loans. They insure the FHA loans that we can assist you in getting. FHA.com is a private corporation, is not a government agency, and does not make loans.

FHA LOAN TYPES:

-- FHA Refinance
-- FHA Streamline
-- FHA Cash-Out
-- FHA Home Loan
-- FHA Secure
-- FHA Reverse
-- FHA Loan (fixed rate)

SPECIAL FHA TOPICS:

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-- FHA Mortgage Tips
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-- FHA Loan Questions
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- A Blog About FHA Loans -

This blog is brought to you by the knowledgeable group of counselors at FHA.com. Our team specializes in advising our customers about the value of FHA mortgage loans.

> See also: VA Loans Blog

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Military guidelines, regulations, and benefits are introduced each year for everything from Military Pay Charts to your VA Loan benefits. We can help you stay informed.

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