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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.

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March 25, 2019
FHA Rates for March 25, 2019
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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.

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FHA Loan Articles and Mortgage News

Why Your Lender Wants to See Your Tax Returns

March 20, 2019 - The home loan is a major investment, and lenders are required to exercise due diligence in making sure the borrower’s financial data is accurate and meets home loan approval standards. Reviewing your tax returns shows the lender the exact nature of income and employment.

Disability Income and Your First FHA Home Loan

March 18, 2019 - Borrowers who receive disability payments may  want to have those payments considered for real estate loan approval, but what is the FHA standard in this area? If your disability income has no expiration date you may be in a good position to have that income considered for your mortgage.

FHA Refinance: Questions and Answers You Should Know

March 16, 2019 - If you are refinancing a home loan, especially if you have never applied for refinancing before, you may have questions about the refi loan process. Here are some of the most common refinance loan questions and answers.

Yes and No Answers to Mortgage Loan Questions

March 14, 2019 - House hunters, real estate agents, first-time home buyers, and many others have questions about FHA home loans. Some of the answers to these questions are complex and require quotes from the FHA home loan rulebook, HUD 4000.1.

Plan Ahead to Buy Your First Home

March 13, 2019 - First-time home buyers might not be used to thinking long term about buying, owning, and selling or refinancing real estate, but it’s a very good idea to consider your options long-term when planning to buy your first home.

Credit Issues That Affect FHA Home Loans

March 12, 2019 - Believe it or not, FHA loan rules require the lender to consider each of these circumstances individually to determine whether past credit problems were due to circumstances beyond the borrower’s control or if they were caused by being a bad credit risk.

FHA Refinance Loans and Appraisal Results

March 11, 2019 - If you are interested in an FHA refinance loan, especially if you want a cash-out refinance where you can take equity out of your home in cash, the appraisal process will be a very important step. It is not an option for cash-out refis, FHA rehab refis, or other non-FHA Streamline loans.

First-Time Borrowers: Think Like A Lender

March 10, 2019 - There is a kind of golden rule for home loan borrowers; never come to the application process with less than 12 months of on-time payments on all financial obligations. How can thinking like a loan officer help you in this respect?

FHA Loans and Mortgage Interest Rates

March 9, 2019 - What should a first-time home buyer know about mortgage loan interest rates? If you are thinking of house hunting alone or working with a real estate agent to find your first home, it’s good to know a few things about the mortgage loan process, especially where interest rates are concerned.

FHA Loans and Credit Scores: What You Need to Know

March 8, 2019 - There are a variety of factors that can influence whether a lender will approve your mortgage loan if you have a lower FICO score. Think about the non-FICO score aspects of your new home loan for a moment-the loan-to-value ratio, the amount of your down payment, and your debt-to-income ratio.

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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!