Choose from several FHA loan programs that are backed by HUD: Adjustable Rate Mortgages, Fixed Rate Loans, Energy Efficient Mortgages, Graduated Payment Loans, Condo Loans, and Growing Equity Mortgages.

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May 6, 2016
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FHA Loan Types

Choose from Several FHA Mortgage Programs

An FHA loan benefits those who would like to purchase a home but haven't been able to put money away for the purchase, like recent college graduates, newlyweds, or people who are still trying to complete their education.

The FHA adjustable rate mortgage is a HUD mortgage specifically designed for low and moderate-income families who are trying to make the transition into home ownership.

Many homeowners with adjustable rate mortgages find themselves in financial trouble because of current interest rate increases. FHA Secure refinancing can help when foreclosure is a threat.

An FHA reverse mortgage is designed for homeowners age 62 and older. It allows the borrower to convert equity in the home into income or a line of credit.

The FHA Energy Efficient Mortgage program helps current or potential homeowners significantly lower their monthly utility bills and incorporate the cost of energy efficient improvements into their mortgages.

Graduated Payment Mortgages are FHA loans for home buyers who currently have low to moderate incomes but expect them to increase substantially over the next 5 to 10 years.

FHA Section 245(a) allows those who currently have a limited income, but expect that their monthly earnings will increase, to purchase a home with the help of a Growing Equity Mortgage in which payments start small and increase gradually over time.

FHA condominium loans, sometimes called condo loans, are specifically designed toward those who purchase housing units in a condominium building.

Various loan options are available for those who prefer not to use the loans noted above. These alternatives include VA loans, conventional loans, jumbo fixed rate loans, among others.

FHA Loan Articles

Read About Mortgage News, FHA Updates, and Guidelines
FHA Home Loan Options

Some loan applicants don’t realize their FHA loan options include fixed and adjustable interest rate loans, and there is also the possibility of adding energy efficient features to the home you buy or refinance, using an FHA Energy Efficient Mortgage.

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.

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.

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.

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.