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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 June 16, 2021

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

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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.

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FHA Loan Articles and Mortgage News

Building Credit Ahead of a Home Loan Application

June 2, 2021 - Many first-time home buyers feel at a loss when it comes to working on their credit. Don’t apply for your first credit card and your first home loan in the same year. A lender will be looking at your credit habits for at least the 12 months leading up to your credit application.

Home Loan Insurance Issues

June 1, 2021 - FHA loans generally require an Up-Front Mortgage Insurance Premium or UFMIP, and then monthly mortgage insurance premiums are paid for either 11 years or the lifetime of the loan depending on several factors. This applies to loans where down payments are less thatn 20%.

Home Loans, Credit Repair and Down Payment Assistance

May 30, 2021 - There are common questions about fixing your credit, and there are just as many questions in this area as there are in the area of home loan down payments. And sometimes those issues are actually interconnected. Do you know how?

What to Know About Being a First-Time Home Buyer

May 28, 2021 - There is a huge myth about certain types of home loan (FHA mortgages specifically) that prevents some people from considering FHA loans as an option--we’ll explore that myth below and why you should take note even if you have purchased a home before and want to do so again.

Credit Prep for Your Home Loan

May 26, 2021 - What kind of preparations do you need to make before you apply for a home loan? Buying a home is one of the most important investments an American borrower can make and you’ll have an easier time in the process if you can get and stay organized.

One-Time Close Construction Loans in Georgia

May 25, 2021 - FHA / VA / USDA One-Time Close construction loans are an important option to consider for those looking to build  a new home in Georgia. Georgia home values have gone up 10.6% over the past year and Zillow predicts they will continue to rise within the next year.

Home Buyer Tools for First-Time Borrowers

May 24, 2021 - Are you a first-time home buyer? Are you a home buyer who hasn’t tried to purchase a home in several years? There are some important tools you should know about when beginning the search for a new home and a home loan.

FHA Loans Versus Conventional 97 Mortgages

May 23, 2021 - FHA home loans are government-backed mortgages, which means a lower risk for the lender because the government guarantees part of the loan. One of the most attractive things about FHA home loans for some is the low 3.5% down payment requirement.

Five Important FHA and VA Construction Loan Approval Questions

May 22, 2021 - What does it take to get approved for a One-Time Close construction loan? Many borrowers are tempted to build a dream home instead of buying an existing house. If you want to build a house on your own land the One-Time Close mortgage is for you.

When Should I Get Pre-Approved for a Home Loan?

May 21, 2021 - Getting prequalified for a home loan means you have filled out some basic paperwork with a lender while in the house hunting process. Getting pre-qualified lets sellers know you are not window shopping, but serious about finding the right property.

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

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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!