Quantcast

In 2019, HUD made home ownership more affordable for millions of Americans with increased loan limits in 3,053 counties due to higher housing prices. FHA limits inform borrowers how much is available for an FHA home loan.

FHA Mortgage Loan Rates

July 20, 2019
FHA Rates for July 20, 2019
Compare 30 Year Fixed Mortgages
Compare 15 Year Fixed Mortgages
Use our mortgage calculators
to see what you can afford!

Learn About FHA Loans

Find out why FHA mortgages with low down payments are so popular with homebuyers.

FHA News Blog

Compare FHA Rates

Choose Your Loan Type

FHA.com is a privately owned website, is not a government agency, and does not make loans.

Your Credit Score

Your Credit Score

Do you know what's on your credit report?

Learn what your score means.

get your credit score
see your credit score
FHA.com is a privately owned website, is not a government agency, and does not make loans.

FHA Loan Requirements

Lower Standards for Credit Scores and Down Payments

Whether you're a first time homebuyer, moving to a new home, or want to refinance your existing conventional or FHA mortgage, the FHA loan program will let you purchase a home with a low down payment and flexible guidelines.

580 Credit Score
- and only -
3.5% Down


FHA loan limits were established to define how much you can borrow for a HUD-backed mortgage. Each state has different limits, so be sure to look up your state to understand what is available for your FHA home loan.

Paying the upfront costs of buying a new home can be challenging. To help overcome this hurdle, many local and state agencies offer down payment assistance in the form of grants or second mortgages.

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


GET STARTED

FHA Loan Articles and Mortgage News

FHA Loan Tip: What a Home Inspection Tells You

July 18, 2019 - The home inspection on the property you buy with your FHA mortgage is something you the borrower must arrange and pay for. It covers the roof, the basement, crawl space, the mechanical systems of the home, foundation, and much more.

FHA Refinance Loan Questions and Answers

July 17, 2019 - Borrowers looking into their FHA refinance loan options aren’t always sure where to begin; the right kind of refinance loan for you may not be the right refinance for someone else. It all depends on why you want to refinance and how you need to apply the loan funds.

One-Time Close Construction Loans: Build Or Buy?

July 16, 2019 - The One-Time Close construction loan, an option for FHA loan applicants, VA loan applicants, and USDA borrowers, offers the ability to have a home built from the ground up. Is this the right choice for you? Some borrowers have a sense of urgency about getting moved into a new home.

Which FHA Refinance Loans Require a New Credit Check?

July 15, 2019 - The short answer is that most of them do. There is only one FHA refinance loan that has no FHA-required credit check, and most typical FHA forward mortgages for purchasing a new property will require one. Credit scores and credit history are important factors for home loan approval.

Credit Repair Advice for First-Time Home Buyers

July 14, 2019 - Long before you apply for an FHA mortgage or refinance loan, you will need to work on establishing or maintaining reliable credit patterns. Your lender is looking for these patterns to justify approving your mortgage loan application.

Questions and Answers About FHA Refinance Loans

July 13, 2019 - Are you thinking about a refinance loan for your home? When interest rate news points to a general downward trend in mortgage loan interest rates, many are tempted to get a better deal on their loan by refinancing into a lower rate. 

Missing an FHA Home Loan Payment

July 12, 2019 - You'll get advice about making 100% on-time payments for all financial obligations 12 months or more before you apply for the mortgage. But after you get the loan, if you miss payments on your mortgage, what kind of repercussions can you expect and what should you do?

What to Look For in a Home

July 11, 2019 - There are several things you need to know about the house you are thinking of buying with an FHA mortgage. Don’t hesitate to ask the seller how old the property is, how long since the roof was repaired or replaced, or if there are problems with mold, flooding, or noise in the area.

Warnings About Credit Repair and Home Loans

July 10, 2019 - There are many borrowers who worry that they won’t qualify for a home loan because of past credit mistakes, low FICO scores, and other problems. What do you need to know about fixing your credit ahead of an FHA home loan or any other major credit application?

FHA Loan Interest Rate Tips

July 9, 2019 - Interest rates in recent months have moved to lows that have prompted many to consider refinancing their real estate and taking advantage of the lower rates while they last. But what should home buyers know about the nature of mortgage rates in general?

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


GET STARTED

If you’re getting ready to shop around for mortgage options, it’s a good idea to brush up on some of the technical terms in our Mortgage Glossary. You’re going to be hearing a lot of them!