FHA Loan Rates May 09, 2008 30 Yr. Fixed --------------- No Points Low Interest Best APR 15 Yr. Fixed --------------- No Points Low Interest Best APR -- -- -- -- -- -- -- -- 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 mortgage company specializing in fha home loans and is not associated with the federal government or HUD / FHA. -- -- -- -- -- -- -- -- FHA LOAN TYPES FHA Refinance - - - - - - - - FHA Loan (fixed rate) - - - - - - - - Energy Efficient Loan - - - - - - - - Growing Equity Mortgage - - - - - - - - FHA Condo Loans - - - - - - - - Graduated Payment Mortgage -- -- -- -- -- -- -- -- SPECIAL FEATURE: Military Finance GI Bank Military. Money. Lifestyle. - - - - - - - - Online Military Banking Militay banking for veterans and their families. - - - - - - - - Veteran Life Insurance Military Insurance Options Military Auto Insurance Make educated decisions for all of your insurance needs. -- -- -- -- -- -- -- --

FHA Mortgage Guidelines

FHA insured loans require mortgage insurance to protect lenders against losses that result from defaults on home mortgages.


FHA mortgage lending limits vary based on a variety of housing types and the state and county in which the property is located.


Before you start the loan process, you'll want to be prepared for the loan application. Have your information organized and ready for your loan officer. Be prepared to pay for property appraisal and a credit report.


While FHA defines which closing costs are allowable as charges to the borrower, the specific costs and amounts that are deemed reasonable and customary are determined by each local FHA office.


In order to prevent homebuyers from getting into a home they cannot afford, FHA guidelines have been set in place requiring borrowers and/or their spouse to qualify according to set debt to income ratios.


An FHA loan applicant's past credit performance that demonstrates good credit history and a solid track record of timely payments will likely be eligible for the mortgage.







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