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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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December 14, 2018
FHA Rates for December 14, 2018
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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

Frequently Asked Questions About Cash-Out Refinance Loans

November 20, 2018 - Do you know what to expect when you want to pull value out of your home in cash? Is there a difference between cash-out refinance loans in Texas and New York? How much money will you get in cash? These and other questions are important to answer in advance.

Do FHA Mortgage Loans Have Minimum Amounts?

November 18, 2018 - If you need an FHA forward mortgage, refinance loan, or FHA rehab loan , you should definitely know how home loans work in this area. FHA mortgages require the lender to set the mortgage amount based on the lesser of the appraised value of the home or the seller’s asking price.

How Late Payments Affect FHA Loan Approval Chances

November 16, 2018 - General advice says that borrowers should come to the FHA home loan application process (or any mortgage loan) with a minimum of 12 months of on-time payments on all financial obligations including-and especially-payments for rent or a prior mortgage.

Reasons to Refinance Your Home Loan Now

November 15, 2018 - FHA refinance loans are for single-family, owner-occupied residences used as a borrower’s home. Your original home loan may not be an FHA mortgage, but you can still refinance your existing non-FHA mortgage into an FHA home loan.

Do FHA Streamline Refi Loans Require a Seasoning Period or Appraisal?

November 13, 2018 - A home appraisal is generally required of mortgage loans to establish the fair market value of the home based on current market conditions, and the seasoning period is the time you must wait before applying for a refinance loan after the initial mortgage.

Things That Can Delay Your FHA Home Loan

November 11, 2018 - There are several circumstances that can kill the progress of your FHA home loan. Do you know how to anticipate these issues? Some are borrower-preventable, some are circumstantial, and others may be completely beyond the borrower, lender, or seller’s control.

Important Areas to Check When Buying a Home

November 10, 2018 - Are you familiar with the things your home needs to be habitable, safe, and protected from the elements? If you plan to buy a home with an FHA mortgage, you will need to know about the condition of a variety of systems and features of a given property.

FHA Refinance Loans: Five Things to Remember

November 9, 2018 - While using your existing lender may be easier, you may not always get the most competitive rates or terms without shopping around. Any participating FHA lender offering the refinance loan you seek can help you; don’t feel limited to the financial institution that originated your first loan.

Are You Ready for an FHA One-Time Close Construction Loan?

November 8, 2018 - There are important things to consider before you start discussing your needs with a participating FHA lender, and coming into this mortgage loan process fully prepared will definitely save you a great deal of time.

Affordable Down Payments for an FHA Mortgage

November 7, 2018 - The prospect of making a down payment on a mortgage loan can be daunting for some first-time home buyers. But there are ways to make your FHA home loan down payment more affordable. Start by working on your financial qualifications or looking for local down payment assistance programs.

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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!