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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November 28, 2015
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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
Changes to Mortgage Loan Procedures

Home loans can be complex, confusing, and hard to understand. A government agency known as CFPB, or Consumer Financial Protection Bureau, exists to protect consumers and help potential homeowners as they navigate the path to buying a home.

What To Know About FHA Loan Assumptions

If you purchased a home with an FHA mortgage loan, does the FHA allow you to sign that loan over to another qualified borrower? This type of transaction is permitted for FHA single family home loans, but there are certain considerations you should know about.

FHA Loan Rules For Employment

How long does the FHA require an applicant to be on the job before he or she is eligible to apply for a loan? There are sometimes misconceptions about these requirements on a basic level, and there are important questions that some may worry about going into the FHA loan application. 

Steps Toward Your FHA Home Loan

What are the steps toward completing your purchase of a home using an FHA mortgage? It’s a common question and one first-time home buyers might be afraid to ask, not wanting to seem ignorant of the process.

FHA Loan Rules For Second Home Purchases

FHA loan rules for the single-family loan program are designed for owner-occupiers, but depending on circumstances a borrower may be approved by a participating lender to buy another home--usually in response to a pragmatic need like a larger family or job requirements.