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FHA loans do not come directly from the FHA. Instead, the FHA is in the business of guaranteeing loans-reducing the risk to lenders and offering increased borrowing power to qualified applicants. The FHA loan is also a good bet for newly married couples

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December 14, 2018
FHA Rates for December 14, 2018
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FHA.com is a private company, is not a government agency, and does not make loans.

How Do I Borrow Money From the FHA?

FHA Common Question #7

FHA loans do not come directly from the FHA. Instead, the FHA is in the business of guaranteeing loans-reducing the risk to lenders and offering increased borrowing power to qualified applicants. This power includes getting better interest rates thanks to the FHA home loan insurance. FHA loans are particularly helpful for people just out of college who want a home, but have little or no money saved for a down payment.

The FHA loan is also a good bet for newly married couples, and also those who have had credit problems in the past because of foreclosure or bankruptcy. You can get a wealth of information from a qualified lender, but the first thing you should do is to check out your credit rating and get a list of lending limits for FHA loans in your area. These limits vary from state to state, and may even vary by county depending on where you live.

NEXT:  How Do I Pre-qualify for an FHA Home Loan?

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FHA Loan Articles and Mortgage News

Long-Term Planning and Your FHA Home Loan

December 5, 2018 - When you purchase a home with an FHA mortgage, are you already contemplating when you might sell or refinance? It may sound premature to some, but for those who prefer long-term financial planning a strategy for home ownership makes sense.

What Is a Conforming Loan Limit?

December 4, 2018 - No matter if the loan you’re interested in is an FHA One-Time Close construction loan, an FHA purchase loan for existing construction, or even a USDA home loan, you will encounter the phrase conforming loan in your home buying journey.

Choosing Between FHA and VA Home Loans

December 2, 2018 - The average civilian with no time in uniform cannot be approved for a VA home loan because this mortgage is a benefit offered in exchange for military service. FHA mortgages, on the other hand, are open to all financially qualified borrowers. 

Five Reasons a Home Might Be Rejected for an FHA Mortgage

December 1, 2018 - FHA mortgage loans require the home to meet minimum standards in order for the loan to be approved by your participating lender. There are some issues that leave the lender no choice but to deny the mortgage. Do you know what those are?

Millenial Home Buyers, DIY, and FHA Loans

November 29, 2018 - A study by the National Association of Realtors reveals that a large number of house hunters in the Millennial age range purchased a previously owned home that requires some kind of repair work. If it’s safe to assume that Millennials love fixer-upper homes.

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!