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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August 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

What Is an FHA Home Appraisal?

July 23, 2018 - New purchase loans require the lender to determine the fair market value of the property. The appraisal helps the borrower know whether the asking price of the home is higher than it should be compared to similar homes in the area, but the FHA appraisal is not a tool for the borrower.

What If I Can't Afford a Down Payment?

July 22, 2018 - FHA home loans come with a minimum down payment requirement which an vary depending on the borrower’s credit scores, lender requirements, and other factors. The smallest down payment possible on an FHA mortgage loan for a new purchase is 3.5% of the adjusted value of the home.

Should I Rent a Home or Buy With an FHA Mortgage?

July 21, 2018 - That question gets a different answer depending on the housing market you live in, but some published reports claim some renting hotspots such as those in Orlando, Florida and Salt Lake City, Utah are seeing rental increases in ranges as high as $800-$1,000 more per month with a renewed lease.

Debt Ratios and Mortgages for Disaster Victims

July 20, 2018 - FHA 203(h) disaster relief loans have similar qualification requirements as standard FHA purchase or refinance loans, but offer more lenient credit and down payment requirements due to the circumstances surrounding the loan application.

When Is a Consultant Required for Certain FHA Loans?

July 19, 2018 - When is a consultant required for certain FHA home loans? Consultants or similar third-party experts are required in some cases when there is construction or installation work to be done on a home to be purchased or refinanced with an FHA mortgage loan.

Prepare for Your FHA Home Loan Closing Date

July 18, 2018 - What do you need to prepare for your FHA home loan closing date? Whether you are using an FHA loan to buy new construction or an existing home, there are some things you should know about the closing date and how the transfer from seller to buyer works.

FHA Loans, Missed Payments, and My Credit Report

July 17, 2018 - Can an FHA borrower get approved for an FHA home loan if there are missed payments on the borrower’s credit record? Do some payments count more than others? Your loan officer may be required to take specific steps to insure the loan is able to be approved.

FHA Loan Approval and Income Stability Issues

July 16, 2018 - If you are looking for a home to buy with an FHA home loan and are among the growing number of Americans working in the gig economy, you may wonder if your income is acceptable to a lender. 

FHA Home Loans and Your Credit: Inaccurate Information

July 13, 2018 - If you are considering an FHA home loan or an FHA cash-out refinance, it’s best to start examining your credit scores and credit report information as early as possible in the planning stages. 

FHA Loans for Borrowers With Tax Debt or in Repayment Plans

July 10, 2018 - If a house hunter wants to purchase a home with an FHA mortgage, rehab loan, or have a property built for them with an FHA One-Time Close construction loan, what do FHA loan rules say about a borrower’s unpaid tax debt?

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