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Anyone who tries to persuade you to make false statements on your loan paperwork is not only violating FHA home loan guidelines, they are breaking the law. Never deal with anyone who encourages you to be dishonest on your paperwork.

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February 19, 2019
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FHA.com is a private company, is not a government agency, and does not make loans.

What About Dishonest Lenders?

FHA Common Question #42

It's true, when you go off in search of an FHA approved lender, you may encounter some unsavory practices along the way. Perhaps you started looking at a non-FHA home loan provider without meaning to, or you found what sounds like a better deal. Even if you are getting a legitimate offer, be sure to follow some good FHA home loan/HUD advice. For starters, never sign any document you don't understand. Ask for a complete explanation of all terms and conditions. If you get the runaround when asking for clarification, do not sign the documents. If you are unsure about the reputation of a particular lender or seller, it's a good idea to consult some real estate agents in your area to check the references of the agency or seller in question. You may learn a great deal based on the prior experiences of the agents you speak with! Anyone who tries to persuade you to make false statements on your loan paperwork is not only violating FHA home loan guidelines, they are breaking the law. Never deal with anyone who encourages you to be dishonest on your paperwork. FHA guidelines were created for a reason. Any lender who has a problem following them to the letter isn't worthy of your business.

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FHA Loan Articles and Mortgage News

Should First Time Home Buyers Consider Adjustable Rate Mortgages?

February 3, 2019 - Should a borrower applying for a first-time home loan consider an FHA adjustable rate mortgage loan? Is it possible to save money with a new home loan that doesn’t have a fixed interest rate? FHA home loans are great choices for first-time home buyers, but the options may seem confusing at first.

First Time Home Buyers Can Get Prequalified

February 2, 2019 - Why should a first-time home buyer get pre-qualified for an FHA mortgage? There are a variety of reasons to consider, but one of the most important is being able to see how much home you can afford and how much loan a lender is willing to offer you based on your credit score and history.

Can I Get a No-Wait FHA Loan After a Short Sale?

February 1, 2019 - A short sale may be used by home owners as a method to avoid foreclosure. Regardless of the motivation for the short sale, under certain circumstances there is a mandatory three-year FHA-required waiting period.

FHA Loans In 2019 Offer Choices to Home Buyers

January 31, 2019 - An important thing to know about applying for an FHA mortgage in the new year is that FHA loan limits are higher in 2019, giving people the ability to borrow more to buy a home. And you don't have to stay with your current lender when you are doing an FHA-to-FHA refi loan.

First Homes, First-Time Home Buyers, and Credit Requirements

January 30, 2019 - Looking for a first home but worried about your credit scores? FHA loans feature lower credit requirements but it’s easy to forget that FICO scores are not the only criteria used to judge your ability to afford a first home loan.

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!