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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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October 21, 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

What Can Affect Your Home Loan Appraisal?

October 6, 2019 - There are several areas that can affect whether your dream home is able to be purchased or not and your FHA appraiser is the one tasked with determining if the issues below will interfere with loan approval or not. 

What to do if Your Home Is Affected by a Natural Disaster

October 5, 2019 - Those who have FHA mortgages should know that the basic policy of the FHA and HUD in natural disasters is that participating lenders should consider loan moratoriums, flexible loan modification plans, and other foreclosure avoidance measures.

Credit Problems? FHA Home Loan Approval Issues

October 3, 2019 - Getting your FHA lender to take you seriously as a borrower when you have had past credit trouble depends on certain factors. Try to show them your credit troubles were caused by circumstances beyond your control and demonstrate good credit use since the negative credit incident.

Five Signs You Are Ready to Buy a Home with an FHA Mortgage

October 1, 2019 - There are plenty of indications that a buyer is NOT ready to buy a home with an FHA mortgage loan, but what tells you it’s time to make the commitment? There are five general signs you can use to determine how close you are to being fully ready.

Tips to Get a Better Refinance Loan

September 30, 2019 - Do you need to refinance your home? There are some important steps you can take to help yourself get the best deal possible when trying to refinance. A bit of planning and preparation will go a long way toward helping you get the best rates and terms possible on your refi loan.