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Your FHA mortgage is designed to get you into a home for a fair price; you should not be required to pay above and beyond the normal fees associated with buying a home. There are a set of payments, fees and other charges that are illegal.

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April 19, 2019
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FHA.com is a privately owned website, is not a government agency, and does not make loans.

Are Any Loan Connected Costs Prohibited?

FHA Common Question #12

There are a set of payments, fees and other charges that are illegal. If you are seeking an FHA loan, do not pay any unearned fees. These can include a fee paid above and beyond the level of service, a kickback, fees charged for a service that was not delivered or that was different than the service paid for.

FHA guidelines are not the sole regulation of these kinds of illegal fees-federal, state and local laws all prohibit some or all of these costs. If you feel you are being asked to pay a prohibited fee or cost, check with the FHA, or contact a housing counselor immediately to get advice, or consult a lawyer with expertise in home lending.

Your FHA mortgage is designed to get you into a home for a fair price; you should not be required to pay above and beyond the normal fees associated with buying a home.

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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.

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!