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The FHA offers plenty of help and advice, including legitimate ways to deal with your circumstances should you fall behind on your payments or encounter financial difficulties. Always turn to the FHA first before trying to make a deal with a third party.

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June 23, 2018
FHA Rates for June 23, 2018
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FHA.com is a private company, is not a government agency, and does not make loans.

Are There Housing Scams Out There?

FHA Common Question #43

When selling your FHA home, beware of rip-off artists and scammers. They do approach some people offering to "help". Sometimes this comes in the form of an offer pay off the mortgage or give you money after the house is sold.

What usually happens is your FHA mortgage goes unpaid, the home gets foreclosed upon (after the scammer collects rent for a while on your property-part of the scam includes a request that you move out quickly) and your credit rating is blemished. The important thing to remember in this situation is to seek professional advice before going into any such relationship with a third party. Unless you pay your mortgage, you may find yourself liable for the results of a deal with a third party.

The FHA offers plenty of help and advice, including legitimate ways to deal with your circumstances should you fall behind on your payments or encounter financial difficulties. Always turn to the FHA first before trying to make a deal with a third party.

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FHA Loan Articles and Mortgage News

How to Prepare for an FHA Cash-Out Refinance Loan

June 11, 2018 - For those who want to cash in on the value built up in the home over time, the FHA cash-out refinance is an important option to consider. Be prepared for a new credit check and request copies of your credit reports. Then examine your FICO scores and your credit history carefully.

Is an FHA Manufactured Home Loan Right for You?

June 8, 2018 - Is an FHA manufactured home loan right for you? That is a question well worth asking, especially for those concerned that such loans may not be available in certain housing markets. Supply and demand plays an important role in how some lenders approach certain types of FHA loan transactions.

FHA Loan Options to Build or Buy

June 6, 2018 - How many FHA loan options to build or buy are out there for those who need a new home? The number and type of options may surprise you. FHA home loans can be used to buy condo units, mobile/manufactured homes, existing construction properties and also new construction.

FHA Loan Rules for Luxury Items

June 5, 2018 - Regarding luxury items and features in a home, the first and most basic issue is the existence of the pool, barbecue pit, or other similar upgrades. FHA loan rules do not forbid the purchase of a home with these features, but they must meet FHA standards where applicable.

FHA Home Loan Rules for Closing Costs

June 2, 2018 - Closing cost guidelines come into play regarding what expenses are considered part of the borrower’s required cash to close. Closing costs can include a lender’s origination fees, pre-paid items such as per diem interest, and discount points where applicable.

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!