Quantcast

For 2021, HUD made home ownership more attainable for millions of Americans by increasing the loan limits in 96.13% (3,108) all of the 3,233 counties where they back home loans. FHA limits inform borrowers how much is available for an FHA home loan. These new loan limits are effective for case numbers assigned through Dec. 31, 2021.

FHA Rates Near 50 Year Low!

Now is the time to drop the interest rate on your 30-year mortgage or refinance into a 15-year home loan.

FHA Rates for September 22, 2021

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 and HUD Assistance for Borrowers in Disaster Areas

September 15, 2021 - If you have purchased a home with an FHA mortgage and need help with your mortgage in the wake of a natural disaster, there are several important steps you should take to get relief. Contact your mortgage servicer to ask for assistance with your mortgage while you recover.

Uses for FHA Cash-Out Refinancing

September 13, 2021 - FHA Cash-Out loans can be used for refinancing non-FHA mortgages as well as existing FHA loans. The proceeds from this cash-out refinance can be used for any purpose including paying off credit card debt, making home improvements, and even paying for luxury items like cars or boats. 

FHA Loan Approval: What's in Your Credit Report?

September 11, 2021 - What does your loan officer need to do in order to determine whether to approve or deny your mortgage loan? It's not just your credit score, although that plays a very important part in the process. Your free credit reports contain much more information than just FICO score numbers.

First-Time Home Buyer Mistakes to Avoid

September 8, 2021 - Are you thinking about becoming a first-time home buyer? Owning a home means taking some big steps, and there are mistakes to avoid as you enter into the process of planning, saving up for your down payment and other expenses, and applying for a loan to purchase a new home.

FHA Refinance Loan Rules You Should Know

September 5, 2021 - Some refinance loans are specifically to get a better deal. But others need to refinance to help avoid further hurting their credit scores or going into loan default because of missed payments. A borrower who gets behind on the old loan can catch up with the new loan, but time may be of the essence. 

Credit Agency Advice for Your Home Loan

September 2, 2021 - Are you about being a truly ready borrower? If you are considering a home loan application is is a great idea to start working on credit and related home loan issues early--long before talking to a broker or mortgage lender.

Home Loan Prep: What One Credit Reporting Agency Says

August 31, 2021 - Thinking about buying or building a home? If you need a home loan, your credit report and credit score are important issues when it comes to home loan approval. If you aren’t working on your credit, you may not be ready for the loan when the time is right.

Review Your Credit Report Before You Commit to a Home Loan

August 29, 2021 - If you are looking at real estate or talking to realtors, it’s a very good idea to get well-acquainted with your own credit report. Doing so can make a big difference in how you prepare for your loan. You will want to review credit reports from Equifax, Experian, and TransUnion.

Questions to Ask Before Buying a House for the First Time

August 28, 2021 - There are plenty of things you should know before committing to the purchase of a home, especially if you are buying a house for the first time. And it’s not all tied to the condition of the house or the features it has. What kinds of questions should you ask before you make an offer?

First-Time Home Buyers and FHA Loan Rules

August 26, 2021 - Are you looking for a first-time home buyer loan? The FHA loan program does not offer a special advantage for first-time applicants (though a participating lender might) but FHA mortgages are a good option for those who have never purchased before.

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!