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In 2019, HUD made home ownership more affordable for millions of Americans with increased loan limits in 3,053 counties due to higher housing prices. FHA limits inform borrowers how much is available for an FHA home loan.

FHA Mortgage Loan Rates

April 19, 2019
FHA Rates for April 19, 2019
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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

Income You Can Use to Qualify for an FHA Mortgage

April 9, 2019 - Not all income is allowed to be used for the purposes of qualifying for your mortgage loan. For example, people who have a side income selling items online on Etsy or eBay may have a hard time convincing the lender to use that as part of your qualifying income.

FHA, VA, and USDA Construction Loan Options

April 8, 2019 - FHA One-Time Close construction loan options are available for borrowers who wish to apply for an FHA mortgage, but don’t want to buy an existing property. Not all borrowers understand they have options for this type of loan-options that include VA and even USDA construction loans for qualified applicants.

First-Time Home Buyer Questions

April 7, 2019 - Buying a home for the first time? Need some advice on how FHA home loans work? Here are some common questions about purchasing a home with an FHA mortgage you should know the answers to before getting started.

Is a Builder's Permit Needed for a One-Time Close Construction Loan?

April 6, 2019 - One of the main issues with construction loans with two closing dates is that there is no guarantee that the borrower will qualify for the second loan. Borrowers who do not use FHA One-Time Close loans must be careful with credit and related financial issues.

Refinance Loan Facts You Should Know

April 5, 2019 - You can apply for an FHA fixed rate refi loan or an adjustable rate refinance loan (ARM) depending on your financial needs and goals. Some home owners who started out with an ARM may wish to refinance  into a fixed rate loan, while others may refinance into another ARM.

FHA One-Time Close Construction Loans for 2019

April 4, 2019 - Are you thinking of using an FHA One-Time Close Construction loan to have a house built for you in 2019? This type of home loan is different than FHA new purchase loans for existing construction, but it’s definitely worth considering.

Homeowner Renovations With FHA Refinance Loans

April 3, 2019 - You cannot take cash back on the rehab loan the same way you do with cash-out refinancing, and the renovation money you are approved to use cannot be used except for those purposes spelled out in HUD 4000.1 and by lender requirements.

What Are the Requirements for an FHA One-Time Close Construction Loan?

April 2, 2019 - What are the requirements for an FHA One-Time Close Construction Loan? These loans can be different that a standard FHA new purchase loan-there are builders to pay, inspections, and other issues that don't come with other types of mortgage loans.

Facts About Down Payment Assistance and FHA Loans

April 1, 2019 - First-time home buyers are often concerned about the amount of their down payment requirement with a new home loan. That is one reason why FHA mortgages are so attractive to qualified borrowers - the 3.5% down payment requirement is an excellent alternative to other mortgages.

Refinancing for First-Time Homeowners

March 31, 2019 - What does a house hunter need to know about making the transition from being a first-time home buyer to being a first-time home owner? One important area is your ability to refinance and why you might choose to do so.

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!