Quantcast

In 2018, HUD made home ownership more affordable for millions of Americans with increased loan limits in 3,011 counties due to higher housing prices. FHA limits inform borrowers how much is available for an FHA home loan.

FHA Mortgage Loan Rates

November 18, 2018
FHA Rates for November 18, 2018
Offering 30 Year Fixed Mortgages
Offering 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

QUALIFY FOR AN FHA LOAN

Compare FHA Mortgage Rates

FREE CREDIT SCORE

Free Credit Score

Do you know what's on your credit report?

Learn what your score means.

get your credit score
get your credit score
FHA.com is a private company, 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.

FREE CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


FHA Loan Articles and Mortgage News

Things That Can Delay Your FHA Home Loan

November 11, 2018 - There are several circumstances that can kill the progress of your FHA home loan. Do you know how to anticipate these issues? Some are borrower-preventable, some are circumstantial, and others may be completely beyond the borrower, lender, or seller’s control.

Important Areas to Check When Buying a Home

November 10, 2018 - Are you familiar with the things your home needs to be habitable, safe, and protected from the elements? If you plan to buy a home with an FHA mortgage, you will need to know about the condition of a variety of systems and features of a given property.

FHA Refinance Loans: Five Things to Remember

November 9, 2018 - While using your existing lender may be easier, you may not always get the most competitive rates or terms without shopping around. Any participating FHA lender offering the refinance loan you seek can help you; don’t feel limited to the financial institution that originated your first loan.

Are You Ready for an FHA One-Time Close Construction Loan?

November 8, 2018 - There are important things to consider before you start discussing your needs with a participating FHA lender, and coming into this mortgage loan process fully prepared will definitely save you a great deal of time.

Affordable Down Payments for an FHA Mortgage

November 7, 2018 - The prospect of making a down payment on a mortgage loan can be daunting for some first-time home buyers. But there are ways to make your FHA home loan down payment more affordable. Start by working on your financial qualifications or looking for local down payment assistance programs.

Appraisal Problems Buyers and Sellers Should Anticipate

November 6, 2018 - If you need a mortgage loan, have found a house you want to make a serious offer on, it’s good to have a walk through and look at the property through an appraiser’s eyes to see whether or not the home might require repairs or corrections as a condition of FHA home loan approval.

When Does a Larger Down Payment Make Sense?

November 5, 2018 - Those planning to stay in the home for a long time will reap long-term savings in the form of lower interest payments. The bigger down payment reduces the principal of the loan, meaning the interest paid over the lifetime of the loan is lower.

FHA Texas One-Time Close Construction Loans

November 4, 2018 - FHA One-Time Close construction loans are an important option to consider for those looking for a home in Texas. That market is an excellent place to consider building a home from the ground up with a One-Time Close (OTC) mortgage.

Five Facts About Home Loan Closing Costs

November 3, 2018 - There are five basic facts you need to know about the closing costs associated with your FHA home loan. Knowing these facts can help you better plan your home loan budget, save up money for the costs you don’t wish to finance, etc.

Reasons to Refinance In 2019

November 2, 2018 - There are some facts and figures from recent home loan research that indicate that refinance loans are about to become more popular than ever and there are some stats you should know that may eliminate any doubts you have going forward.

FREE CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


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!