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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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April 25, 2018
FHA Rates for April 25, 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

Locking In FHA Home Loan Interest Rates

April 3, 2018 - What does it mean when we talk about locking in FHA home loan interest rates? Simply put, when you decide to commit to buying a specific property with an FHA home loan, there is a length of time between committing, getting loan approval, and closing the deal.

Which FHA Loans Feature Low Down Payments?

April 2, 2018 - Which FHA home loans feature low down payments? Compared to some non-FHA loan options, the short answer is all of them-FHA loan down payment minimums are as low as 3.5% for financially qualified borrowers.

FHA Loan Down Payments Vs. Total Required Investment

April 1, 2018 - If you are new to the home loan process, you may encounter industry jargon that sounds confusing. First time home buyers might not realize that most mortgages, FHA loans or not, require down payments plus cash needed to close.

Basic FHA Loan Appraisal Rules

March 30, 2018 - When you find a house you want to commit to purchasing with an FHA home loan, the appraisal process is what determines the market value of the property compared to the asking price. The FHA appraisal is also a basic review of the home to make sure it meets minimum standards.

FHA Refinance Loan Questions and Answers

March 29, 2018 - Borrowers looking into their FHA refinance loan options aren’t always sure where to begin; the right kind of refinance loan for you may not be the right refinance for someone else. It all depends on why you want to refinance and how you need to apply the loan funds.

More on FHA Loan Appraisal Rules for a Transferred FHA Loan

March 28, 2018 - Borrowers who need an FHA cash-out refi loan or other appraisal-required type of mortgage that allows cash back to the borrower may be disappointed if the appraisal comes in lower than they hoped. The lower adjusted value of the property means less cash back to the borrower at closing time.

FHA Appraisal Rules for Transferring Lenders

March 27, 2018 - There is a common question about FHA home loans regarding the specific rules for switching lenders. Imagine you apply for a cash-out refinance loan or other appraisal required mortgage on a property, and the appraisal comes in far lower than expected.

FHA Refinance Loan Options for Borrowers Who Don't Need Cash

March 26, 2018 - Interested in exploring your FHA refinance loan options but aren’t interested in getting a cash out refinance loan? Depending on your loan needs, there may be several options waiting for you whether you have an existing FHA mortgage or a non-FHA home loan.

Help for Homeowners in Federally Declared Natural Disaster Areas

March 25, 2018 - The FHA and HUD have announced additional foreclosure relief measures for  FHA-insured homeowners who live or work in areas impacted by Hurricanes Harvey, Irma and Maria as well as California wildfires and subsequent flooding and mudslides.

FHA Limited 203(k) Rehab Loans for Smaller Projects

March 23, 2018 - The FHA 203(k) rehab loan program offers new purchasers and those who wish to refinance existing mortgages and make upgrades or improvements in the process. But not all borrowers have a need to refinance the entire mortgage loan to make their upgrades-is there a smaller version of this rehab loan available?

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