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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June 25, 2016
FHA Rates for June 25, 2016
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FHA.com is a private company, is not a government agency, and does not make loans.

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
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.

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.

Gaps in Employment and Temporary Reductions of Income

The updated FHA home loan rulebook instructs your lender on how to process FHA loan applications and how the lender should treat specific circumstances that can affect a borrower’s chances for FHA loan approval.

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.