For 2020, HUD made home ownership more attainable for millions of Americans by increasing the loan limits in almost 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, 2020.

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 December 1, 2020

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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.

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FHA Loan Articles and Mortgage News

HUD Announces Modification to Exterior-Only Appraisal Guidelines

November 12, 2020 - There’s been an important change in the scope of work policy for FHA appraisals. The FHA will no longer rely upon desktop appraisals. Exterior-only appraisals will still be accepted as long as the policies have not expired, but the desktop-only approach has been deemed no longer necessary.

Credit Monitoring Is an Important Consumer Tool

November 11, 2020 - Having a credit monitoring service watching your credit report is an extremely useful tool for those who are in the planning stages of a mortgage loan. You’ll want to know if there are issues appearing in your credit report that could stop or even cancel your home loan.

How to Dispute an Error on Your Mortgage Loan

November 9, 2020 - Mistakes and other problems may not be commonplace with most mortgage loans, but in cases where there’s a question or a dispute there is a specific set of steps to take that can help you resolve the issue. The first thing to do is to call your loan servicer to resove the issue.

Resources You'll Need When Buying a Home

November 7, 2020 - Are you considering buying a new home this year? There are some important resources you should know before you fill out home loan paperwork. It doesn't hurt to learn about credit monitoring, down payment assistance, mortgage calculators, FHA loan limits, and closing costs.

Does Shopping Around for an FHA Lender Hurt My Credit Score?

November 5, 2020 - If you want to buy a home with an FHA mortgage, or refinance an existing home loan with an FHA refinance loan, you don’t have to use your current lender. You can shop around for a lender no matter if you are buying or building a home or trying to refinance.

Does Checking My Own Credit Hurt My Credit Score?

November 4, 2020 - We’re told again and again that whenever you apply for new credit, your credit score may be hurt slightly by the credit inquiry, and it’s easy to assume that would be true when you check your own credit. But what’s the reality?

COVID-19 Update: FHA Loan Forbearance vs. Payment Forgiveness

November 3, 2020 - The CARES Act offers you mortgage relief in the form of forbearance--also known as mortgage payment forbearance, which requires no documentation to prove financial hardship beyond your claim that you are having the hardship.

FHA Mortgage Scam Update

November 1, 2020 - Mortgage scams and reverse mortgage scams often feature these third parties approaching home owners, especially those who may be in trouble with their mortgages, with offers to save a home from foreclosure or with bogus offers through a reverse mortgages.

FHA Loans for Condos: Site Condos vs. Ordinary Condos

October 30, 2020 - What is the difference between a site condo and an ordinary condo? There are FHA loans for condo units in approved projects and there are also rules in the FHA Lender’s Handbook that address when the purchase of a site condominium is permitted. But what is the difference?

HUD Announces Revised COVID-19 Relief Deadlines

October 28, 2020 - In October, 2020, the Department of Housing and Urban Development and the Federal Housing Administration once more determined the need to extend the deadline for approving a COVID-19 Forbearance or an HECM Extension beyond the original and earlier-modified deadlines.

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

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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!