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The FHA's mission in the present day includes offering to help borrowers get the amounts they qualify for, and to assist lenders by reducing the risk of issuing loans. You can search for an FHA lender near you at HUD.

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April 22, 2019
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FHA.com is a privately owned website, is not a government agency, and does not make loans.

What is the FHA?

FHA Common Question #1

The Federal Housing Administration is an agency of the federal government. The FHA insures private loans issued for new and existing housing, and for approved programs for home repairs. The FHA was created by Congress in 1934, and in 1965 became part of the Department of Housing and Urban Development's Office of Housing.

The FHA's mission in the present day includes offering to help borrowers get the amounts they qualify for, and to assist lenders by reducing the risk of issuing loans. To get situation-specific information and advice on how you might be able to take advantage of an FHA-insured loan, you'll need to contact an FHA lender to get started. You can search for an FHA lender near you at HUD.

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FHA Loan Articles and Mortgage News

FHA Standards Versus Local Laws

April 15, 2019 - Some borrowers get confused over the differences in what the FHA home loan program will permit versus state or local laws that have a say in similar or identical areas. It’s easy to assume that FHA loan rules would override a local ordinance, but this is definitely not true.

FHA Condo Loans for Self-Employed Borrowers

April 13, 2019 - FHA condo loans allow financially qualified borrowers to apply for maximum financing of 96.5% and a 3.5% down payment. FHA loan minimums permit maximum financing and the lowest down payment for those with FICO scores 580 or higher.

FHA One-Time Close Construction Loan Rules to Know

April 12, 2019 - FHA One-Time Close construction loans are different than other FHA new purchase loans. There are some basic differences between new construction and existing construction FHA loans. Before we launch into those differences, it’s important to point out one very important aspect about this program.

Buying a Home With an FHA Loan? Ask Questions.

April 11, 2019 - If you are buying your first home with an FHA mortgage, there are some questions you should ask about the property you want to buy. Sometimes it only takes a little bit of information to help make up a potential homeowner’s mind, but knowing the right questions to ask is key.

Is the FHA One-Time Close Construction Loan Right for You?

April 10, 2019 - FHA One-Time Close construction loans are designed for those who want to have a home built for them from the ground up. Construction loan mortgages, especially FHA One-Time Close loans, are unique among mortgage lending products and have some distinct advantages.