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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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July 22, 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

FHA Home Loan Rules for Loan Amounts

June 15, 2018 - FHA home loan rules for loan amounts include certain restrictions on the home loan including how much a seller or an interested third party may contribute to certain loan-related expenses. These rules also instruct the lender on FHA loan policies for cash back to the borrower.

Credit Advice for Home Loan Applicants

June 12, 2018 - Are you looking for a house to buy with an FHA  loan,worried about your credit, and looking for ways to get ahead with FICO scores and your credit history? Learn how to help yourself become a more informed and credit-worthy mortgage loan borrower.

How to Prepare for an FHA Cash-Out Refinance Loan

June 11, 2018 - For those who want to cash in on the value built up in the home over time, the FHA cash-out refinance is an important option to consider. Be prepared for a new credit check and request copies of your credit reports. Then examine your FICO scores and your credit history carefully.

Is an FHA Manufactured Home Loan Right for You?

June 8, 2018 - Is an FHA manufactured home loan right for you? That is a question well worth asking, especially for those concerned that such loans may not be available in certain housing markets. Supply and demand plays an important role in how some lenders approach certain types of FHA loan transactions.

FHA Loan Options to Build or Buy

June 6, 2018 - How many FHA loan options to build or buy are out there for those who need a new home? The number and type of options may surprise you. FHA home loans can be used to buy condo units, mobile/manufactured homes, existing construction properties and also new construction.

FHA Loan Rules for Luxury Items

June 5, 2018 - Regarding luxury items and features in a home, the first and most basic issue is the existence of the pool, barbecue pit, or other similar upgrades. FHA loan rules do not forbid the purchase of a home with these features, but they must meet FHA standards where applicable.

FHA Home Loan Rules for Closing Costs

June 2, 2018 - Closing cost guidelines come into play regarding what expenses are considered part of the borrower’s required cash to close. Closing costs can include a lender’s origination fees, pre-paid items such as per diem interest, and discount points where applicable.

FHA Mortgages for Disaster Victims: Basic Qualifying Information

May 30, 2018 - What are the FHA loan rules for 203(h) mortgages for disaster victims? HUD 4000.1, the FHA Loan Handbook, has the basic rules and requirements for these loans which are made available to those recovering in federally-declared disaster areas.

Which FHA Refinance Loan Is Right For You?

May 27, 2018 - When it’s time to refinance, the type of FHA loan you apply for will depend on the outcome of the loan-do you want cash out? A lower mortgage payment? Do you need to do rehab or repairs? Each refinance is different and there isn’t a one-size-fits-all solution.

FHA Home Loan Applications and Credit Freeze Issues

May 23, 2018 - A credit freeze is something used by victims of identity theft to prevent new credit accounts being opened in the name of the victim. When the borrower is ready to open any new line of credit, it will be necessary to reach out to all the agencies the credit freeze was initiated with in the first place.

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