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In 2018, HUD is making 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.

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July 19, 2018
FHA Rates for July 19, 2018
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FHA Loans for Home Owners

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.

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.

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!

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FHA Loan Articles and Mortgage News

FHA Loans for Borrowers With Tax Debt or in Repayment Plans

July 10, 2018 - If a house hunter wants to purchase a home with an FHA mortgage, rehab loan, or have a property built for them with an FHA One-Time Close construction loan, what do FHA loan rules say about a borrower’s unpaid tax debt?

FHA Loans For Construction, Rehab, and More

July 9, 2018 - FHA home loans aren’t just for those who want to buy existing real estate in the traditional manner. You can also get an FHA home loan to construct your home, you can buy a fixer-upper and rehab it, or you can apply for a typical FHA mortgage.

Real Talk About FHA Loans and Investment Properties

July 8, 2018 - Some FHA loan applicants get discouraged when they learn that the FHA Loan Handbook states  that a borrower cannot use an FHA single-family mortgage to purchase an investment property. But that does NOT mean that FHA borrowers have no options to make money on the home they purchase.

FHA Reverse Mortgages for Older Borrowers

July 7, 2018 - FHA reverse mortgages are a home loan options that financially qualified borrowers aged 62 or older can consider if they either own their home or are very close to paying off their mortgage loan. Borrowers may consider them to convert the home’s equity into cash for personal needs, renovations, travel or other purchases.

What Sellers Should Know About FHA Home Loans

July 6, 2018 - If you are selling your home, you and your real estate agent need to know some important points about FHA home loans to help you make the best deal possible. There are some aspects that can help sellers properly price and sell their property to someone using an FHA mortgage.

FHA Bad Credit Home Loans

July 3, 2018 - For maximum financing and the lowest possible down payment requirement under the FHA loan program’s rules, borrowers should come to the FHA mortgage loan application process with a credit score of 580 or higher.

Tips for Buying or Building a Home With an FHA Mortgage

July 1, 2018 - Are you new to the home loan process and need tips for buying or building a home using an FHA mortgage? There are three basic areas you should consider immediately once you decide for sure that you want to apply for a home loan.

FHA Cash-Out Refinancing and Rising Property Values

June 27, 2018 - FHA cash-out refinancing for homes with rising property values could make cash available for a wide variety of purposes; paying down student loans, making home improvements, or even paying for vacations and related expenses.

Mistakes Made By FHA Loan Applicants

June 24, 2018 - Do you want to avoid some common mistakes that new home loan applicants make? There are some areas you can address in the planning stages of an FHA home loan or refinance loan that will save you time and possibly even thousands of dollars.

What Can Be Added to Your FHA Loan Amount?

June 21, 2018 - When you apply for a mortgage loan, the cost of the home is the biggest and most obvious part of the mortgage. The loan amount can include other things besides the cost of the home, but the borrower can’t take cash at closing time in excess of $500 according to the FHA loan handbook. 

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