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November 30, 2015
FHA Rates for November 30, 2015
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FHA Loan Articles

Read About Mortgage News, FHA Updates, and Guidelines
HUD 4000.1, FHA Loan Applications, and Credit Reports

The new HUD 4000.1 handbook includes new rules about existing policy, revised language for some loan rules, and other changes. Has qualifying for an FHA mortgage under the new rulebook changed? 

The FHA Refinance Loan Maximum Mortgage Calculation

There are many myths people have about FHA home loans. One is the nature of the required FHA mortgage down payment or maximum financing available.  The borrower is required to make a minimum down payment on all new purchase FHA mortgage loans (3.5%).

Does Being a Co-Signer on Another Loan Hurt Your FHA Loan Application?

Some wonder: does being a co-signer on someone else’s financial obligation might affect an applicant’s chances for FHA loan approval? Does being a co-signer have any influence on how the lender views your credit or debt-to-income ratio?

FHA Streamline Refinancing: Appraisal Required?

It can be easy to get confused over the difference between lender requirements and FHA refinance loan standards--did you know that FHA loan rules for Streamline Refinancing permit the lender to require things the FHA rules don’t insist upon?

FHA Changes Loss Mitigation Policies

In April 2015, the FHA and HUD changed some of its policies in order to help FHA borrowers avoid foreclosure and keep their homes. No FHA loan applicant goes into the home loan or refinance loan process expecting to default on their mortgage payments sometime in the future.