HUD requires that any home being financed with an FHA mortgage meets the FHA’s Minimum Standards. In order for a loan to be granted, the property must be deemed safe, secure, and sound.

FHA Mortgage Loan Rates

September 21, 2019
FHA Rates for September 21, 2019
Compare 30 Year Fixed Mortgages
Compare 30 Year Fixed Mortgages
Use our mortgage calculators
to see what you can afford!
Get started one
Get started two
Get started three
Get started four
FHA.com is a privately owned website, is not a government agency, and does not make loans.

Choose a Loan Type

then
get
your

Your Credit Score

Do you know what's on
your credit report?
Get Credit Score Button
Get Credit Score Button
FHA.com is a privately owned website, is not a government agency, and does not make loans.

FHA Minimum Standards

Related Terms: FHA Guidelines, HUD Loan Standards, FHA Property Guidelines
HUD requires that any home being financed with an FHA mortgage meets the FHA’s Minimum Standards. In order for a loan to be granted, the property must be deemed safe, secure, and sound. 
FHA Minimum Standards
FHA Minimum Standards require that your home be safe for its occupants, provide security of the property, and be sound, without physical deficiencies or conditions affecting its structural integrity. The HUD has set factors for appraisers to look into—for example, accessibility, site conditions, and the materials used—to determine whether the requirements are met, and they vary for different types of structures, such as single-family detached homes, condominiums, etc. Appraisers submit their reports on FHA appraisal forms that list their observations, which result in the approval or dismissal of the mortgage application. 

Enforcing these minimum standards is a way in which lenders are protected from incurring losses. Since your home is serving as collateral for the loan, it gives lenders security that it will sell easily and fetch a higher price in the event of a foreclosure. It also means that you, as the buyer, will make a greater effort to avoid defaulting on your mortgage, since the house is worth more and is a safe place to live. 

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


FHA.com Reviews

FHA.com is a one-stop resource for homebuyers who want to make the best decisions when it comes to their mortgage. With our detailed, mobile-friendly site, individuals can access information about different FHA products, the latest loan limits, and numerous other resources to make their homebuying experience easier. Take a look at some of the reviews from other FHA.com visitors!