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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October 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 Cash-Out Refinance Loan Tips

September 11, 2018 - FHA cash-out refinance loans do require an appraisal, and borrowers who live in housing markets that are on the rise should check to see how far property values have increased since the last appraisal.

FHA One-Time Close Construction Mortgages and Credit Issues

September 10, 2018 - Borrowers who want to apply for an FHA One-Time Close construction loan may, depending on the lender and circumstances, find that certain credit issues must be satisfactorily addressed as a condition of loan approval.

Should I Apply for an Adjustable Rate FHA Mortgage?

September 9, 2018 - Should I apply for an FHA adjustable rate mortgage? The FHA ARM loan, as it is commonly called, can be a useful tool for the right circumstances. It’s important to know how FHA ARM loans work and how the changes to the FHA loan interest rate are handled.

Four Ways to Buy a House With an FHA Loan

September 8, 2018 - Do you need an FHA home loan? Not sure what you can use FHA loan proceeds to do? If you are thinking of buying a home with an FHA mortgage you should know your options, even if you don’t think you’ll use most of them.

FHA Mortgages for Condo Units and Mobile Homes

September 7, 2018 - There are some things condo loans and mobile home loans have in common; one is that FHA loan rules allow the borrower to apply for a 30-year mortgage or a 15-year loan. Another is that you can apply for a fixed-rate mortgage or an adjustable rate FHA loan.

What to Do When You Get Your House Keys

September 6, 2018 - If you are buying a home with an FHA mortgage there are several areas you should consider when you take ownership of your new house. Changing the locks, checking the breaker box, and inspecting fire detectors are crucial things to do in the earliest days of home ownership.

One-Time Close Loans: Planning The Right Home for You

September 5, 2018 - If you are contemplating having a home built from the ground up for you using an FHA One-Time Close construction loan, or a USDA equivalent or even a VA One-Time Close construction loan, there are many things to consider in the planning and design stages.

FHA Loans for Renters Who Want to Become Home Owners

September 4, 2018 - FHA mortgage loans are available for a wide variety of housing including condos, manufactured homes, and multi-unit properties. Some who are currently renting a property may wish to own that building as their home. A landlord who is willing to sell may work out an arrangement to sell.

There Is One 'No Down Payment' FHA Mortgage Loan

September 3, 2018 - Borrowers may be gifted down payment funds in accordance with FHA mortgage loan rules, but there is no common zero down payment FHA mortgage. But there is a single FHA home loan that does not require a down payment.

Plan Ahead for Your FHA Mortgage Loan

September 2, 2018 - Are you ready to start planning for an FHA home loan? If you haven’t seen your credit report yet, and don’t have a budget for your down payment, these are among the first areas to start working on once you know you’re going to become a house hunter.

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