Quantcast

For 2021, HUD made home ownership more attainable for millions of Americans by increasing the loan limits in 96.13% (3,108) 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, 2021.

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 July 24, 2021

Learn About FHA Loans

Find out why FHA mortgages with low down payments are so popular with homebuyers.

FHA News Blog

Compare FHA Rates

Choose Your Loan Type

FHA.com is a privately owned website, is not a government agency, and does not make loans.

Your Credit Score

Your Credit Score

Do you know what's on your credit report?

Learn what your score means.

get your credit score
see your credit score
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.

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


GET STARTED

FHA Loan Articles and Mortgage News

Fair Housing Laws: Know Your Rights!

June 26, 2021 - Why is it so important to know your rights under the federal Fair Housing Act? Violations of this act include the obvious--discrimination at any stage of the housing process including lending, rentals, housing services, etc. is illegal under Fair Housing laws.

5 Important FHA Home Loan Tips

June 25, 2021 - FHA loans differ from other mortgages for a variety of reasons, but the most important things a new borrower or a repeat borrower should know about the FHA home loan program include the fact that FHA loans are for any borrower who can financially qualify.

FHA Manufactured Homes and Mobile Homes

June 24, 2021 - The appeal of a mobile home or manufactured home is, for some borrowers, that these loans are smaller than the type of mortgage you would need to buy a condo unit or townhouse. Smaller loans, and lower monthly payments are just two of the incentives for an FHA mobile home loan.

FICO Scores and Home Loans: What You Need to Know

June 22, 2021 - If you don’t know the contents of your credit report, you aren’t ready to apply for a mortgage loan, an auto loan, or even a personal line of credit. Your lender will review not only your FICO score, but your credit activity for at least the last 12 months leading up to your loan application.

Five Down Payment Assistance Tips

June 19, 2021 - If you are considering an FHA mortgage but need down payment help, there are programs offered by state and local agencies that may be able to help. Not all of them meet FHA loan guidelines--you’ll need to make sure that the program you choose meets the sourcing requirements for the money.

FHA Mortgages vs. Fannie Mae Home Ready Mortgages

June 18, 2021 - When exploring home loan options, some borrowers want a loan that has the lowest upfront costs possible. This makes sense if money is tight, or when a borrower has goals for their money and a down payment would hurt those plans.

HUD Revises Home Loan Rules to Recognize DACA

June 15, 2021 - The Department of Housing and Urban Development has announced changes to its policies that govern consideration for those who seek FHA home loans while in the United States under the Deferred Action for Childhood Arrivals (DACA) program.

First-Time Home Buyer Mortgage Options

June 14, 2021 - Did you know that as a first-time home buyer you have the option to purchase a condo unit with an FHA mortgage? There are also options for first-time borrowers to apply for FHA rehab loans for renovations and even an FHA home loan that allows you to build instead of buying.

HUD Announces Fair Housing Settlement In California

June 11, 2021 - Renting is an important step toward home ownership--some borrowers must rent while looking for a forever home, others choose to rent until they feel the time is right to commit to a mortgage. In either case, housing discrimination hurts these future homeowners, too.

FHA Refinance Loans Compared: Cash-Out Vs. Interest Rate Reduction

June 10, 2021 - There are several FHA loan options available when it is time to refinance a home loan. Two of those are FHA cash-out refinancing and FHA Interest Rate Reduction Refinance loans. How do these two refinance options compare and which should you choose?

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


GET STARTED

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!