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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.

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October 19, 2018
FHA Rates for October 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

Refinance Loan Options: FHA Rate-And-Term Refinancing

September 16, 2018 - Do you know how you can use an FHA rate-and-term refinance loan? This type of FHA refinance loan is for owner-occupiers and features no cash back to the borrower (except for refunds), and has a variety of possibilities.

Can I Move Into My New Home on Closing Day?

September 15, 2018 - The home loan day of funding, when the funds actually transfer from the lender to the seller, is one thing that must happen before you are given your keys. It’s very good to know the exact date of funding so y ou know precisely when interest payments on the mortgage begin.

What are Compensating Factors for FHA Loan Approval?

September 14, 2018 - Borrowers who have high debt ratios, and/or FICO score issues may still be able to be approved for an FHA mortgage loan but the lender may require one or more compensating factors to justify loan approval.

Do You Need to Make a 20% Mortgage Down Payment?

September 13, 2018 - Do home loan borrowers need to make a 20% down payment to be approved for a mortgage? The answer to that question depends on FICO scores, the type of mortgage loan you want, and your financial needs and goals.

FHA Refinance Loans for Section 235 Mortgages

September 12, 2018 - In 2015, the FHA and HUD published a final rule doing away with regulations for an obsolete home loan program known as the Section 235 mortgage. Section 235 mortgages were created in 1968 with the passage of the Housing and Urban Development Act .

FHA Cash-Out Refinance Loan Tips

September 11, 2018 - FHA cash-out refinance loans do require an appraisal, and borrowers who live in housing markets that are on the rise should check to see how far property values have increased since the last appraisal.

FHA One-Time Close Construction Mortgages and Credit Issues

September 10, 2018 - Borrowers who want to apply for an FHA One-Time Close construction loan may, depending on the lender and circumstances, find that certain credit issues must be satisfactorily addressed as a condition of loan approval.

Should I Apply for an Adjustable Rate FHA Mortgage?

September 9, 2018 - Should I apply for an FHA adjustable rate mortgage? The FHA ARM loan, as it is commonly called, can be a useful tool for the right circumstances. It’s important to know how FHA ARM loans work and how the changes to the FHA loan interest rate are handled.

Four Ways to Buy a House With an FHA Loan

September 8, 2018 - Do you need an FHA home loan? Not sure what you can use FHA loan proceeds to do? If you are thinking of buying a home with an FHA mortgage you should know your options, even if you don’t think you’ll use most of them.

FHA Mortgages for Condo Units and Mobile Homes

September 7, 2018 - There are some things condo loans and mobile home loans have in common; one is that FHA loan rules allow the borrower to apply for a 30-year mortgage or a 15-year loan. Another is that you can apply for a fixed-rate mortgage or an adjustable rate FHA loan.

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