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Starting in 2018, HUD is making home ownership more affordable for millions of Americans with the loan limits in 3,011 counties set to increase due to higher housing prices.

Updates for 2017:
FHA Mortgage Insurance

FHA Mortgage Loan Rates

January 21, 2018
FHA Rates for January 21, 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!

FHA Loan Articles and Mortgage News

Read About FHA Requirements, Updates, and Guidelines
FHA One-Time Close Construction Loan Basics

January 12, 2018 - There are FHA home loans for existing construction homes, classified as properties that have had at least one owner, and FHA construction loans that allow a qualified borrower to have a home built for them from the ground up.

FHA Rehab Loans for Federal Disaster Areas

December 28, 2017 - For homeowners trying to recover their homes after Hurricane Irma, Hurricane Harvey, and Hurricane Maria, there are FHA loans available to help. The FHA 203(h) Rehab Loan is specifically for those in federally declared disaster areas and can be sometimes used with the FHA 203(k) rehab loan.

What You Should Know About FHA Loans and Commerical Properties

December 20, 2017 - What should you know about applying for an FHA loan for a commercial property? Is such a loan possible? A great deal depends on how residential the home is and the amount of non-residential use of the property’s total floor space.

Credit Monitoring, Data Security Breaches, and Your FHA Loan

December 12, 2017 - What do Arby’s, Google, and the Internal Revenue Service all have in common? They each experienced some form of security compromise in 2017 that could have resulted (and often did) in sensitive consumer data being exposed to hackers, scammers, and thieves.

FHA Home Loan Limits for 2018

December 5, 2017 - The FHA has announced increased FHA loan limits for 2018. The higher limits affect FHA home loan transactions in high-cost areas, low-cost housing markets, and gives qualified applicants more borrowing power in typically-priced housing markets, too.

Are There Income Requirements for an FHA Mortgage?

November 30, 2017 - Are there income requirements for an FHA mortgage? Some applicants may be worried about earning too much money to qualify for a loan they mistakenly believe are intended only for a certain income bracket.

General Property Requirements for FHA Mortgage Loans

November 15, 2017 - FHA loan rules specify that a home must meet minimum standards in order to be approved for an FHA mortgage. These standards, set by the FHA, do not include state or local building code (which must also be satisfied) and FHA loan rules cannot override the law.

What Are the Requirements for an FHA One-Time Close Construction Loan?

November 13, 2017 - What are the requirements for an FHA One-Time Close Construction Loan? These loans can be different that a standard FHA new purchase loan-there are builders to pay, inspections, and other issues that don't come with other types of mortgage loans.

FHA 203(h) Rehab Loans for Federal Disaster Areas

November 9, 2017 - In the wake of 2017 natural disasters like Hurricane Irma and Hurricane Harvey, the Department of Housing and Urban Development has published this year’s FEMA-listed federal disaster areas, which become eligible for a variety of relief measures once that designation is made for an affected area.

Minimum FHA Loan Property Requirements: Location Matters

November 6, 2017 - What are the minimum property requirements for a home to be purchased with an FHA mortgage? The ability to purchase your dream home with an FHA mortgage is determined by a borrower’s FICO scores and credit history, debt to income ratio, employment, and other financial qualifications.