Your lender is the person or institution granting you a mortgage loan. Lenders loan you money to buy a home, with the understanding that you will make regular payments, with interest, to pay off the loan.

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.

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NOTICE: Some FHA mortgage lenders are substantially raising FICO score requirements during the Coronavirus crisis, even though FHA minimums remain unchanged.


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FHA.com is a privately owned website, is not a government agency, and does not make loans.

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FHA.com is a privately owned website, is not a government agency, and does not make loans.

Lender

Related Terms: Mortgage Broker, Mortgage Lender
A lender can be a person or institution that loans a certain amount of money with the condition that it needs to be repaid—usually with interest—within a predetermined time. In the case of mortgages, these payments are traditionally made monthly, and come with different interest rates. 
Lender
Different institutions offer mortgage loans and act as lenders. They may be banks, online lenders, or mortgage brokers.  Many have different conditions and terms for the loan, so it’s important for you as a buyer to do your research as to what they offer and explore your options.

The FHA works with the U.S. Department of Housing and Urban development to create requirements for lenders to meet if they wish to be termed, “FHA approved.” This approval means that a lender has met the FHA’s guidelines regarding loan types, loan limits, interest rates, etc. As a borrower, you have the option of applying for an FHA loan through one of these approved lenders. You can find them in your area through the HUD website. 

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