FHA Loan Rates

October 21, 2014
FHA Rates for October 21, 2014
30 Year Fixed
3.25% Rate
3.29% APR
15 Year Fixed
2.75% Rate
3.0% APR
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FHA Loan Articles

Read About Mortgage News, FHA Updates, and Guidelines
FHA Loan Rules on Student Loan Debt

The borrower who has a parent paying student loan debt every month may be able to show the cash income from that payment is stable and reliable. Debt listed in their own name can and probably will be included in debt-to-income ratio calculations.

FHA FICO Score Facts

The FHA Bad Credit Loan myth is a common one, but the truth of the matter is that FHA loan rules, as printed in HUD 4155.1, do list minimum credit scores.

Tax Documents and FHA Home Loan Applications

When applying for an FHA home loan, some lenders may ask for tax paperwork as part of the application process. Some borrowers may wonder if this is legal, or an acceptable practice for home loans in general.

Are FHA Loan Standards More Lenient Now?

FHA loan applicants should compare rates and terms with competing lenders to try to get the most favorable terms on the loan or refinance loan. Down payment rules for FHA loans require a minimum 3.5% down compared to up to 20% for conventional loans.

A Common FHA Loan Closing Costs Question

There are many typical questions about FHA loan closing costs. For example, some wonder if the closing costs can be viewed as part of the required FHA loan down payment. (That is not possible, the closing costs and down payment are two separate things.)