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FHA mortgage guidelines state quite clearly that you also have the right to know what monies are refundable to you should you decide to cancel the contract. Ask up front and know what your costs should be. You will be glad you did.

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December 11, 2019
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FHA.com is a privately owned website, is not a government agency, and does not make loans.

What Are My Rights? (part two)

FHA Common Question #45

Some people feel a bit guilty for trying to shop around for a loan. According to the FHA, you are not only helping yourself by shopping around, it is absolutely your right to do so. Never allow a lender to pressure you into taking a loan without exploring your options. An FHA home mortgage loan is a big step. You'll want to sign the right contract for the right amount of money.

FHA mortgage guidelines state quite clearly that you also have the right to know what monies are refundable to you should you decide to cancel the contract. Ask up front and know what your costs should be. You'll be glad you did.

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FHA Loan Articles and Mortgage News

FHA Loans for 2020: Mortgage Expenses You Can Plan For

December 8, 2019 - If you are planning for a new home loan in 2020, saving up early for your loan expenses can be very useful. You may not be able to anticipate every expense for the new loan, but if you buy or build a house in 2020 you’ll want to prepare for some known mortgage-related expenses.

Construction Loans for 2020: Build a House on Your Own Land

December 6, 2019 - Is 2020 the year you have a house built on your own lot with a loan 3.5% down payment? If you are a qualified veteran, that down payment amount is 0% to build on your own land as long as the appraised value matches or is higher than the asking price.

Problems That Can Delay Your FHA Home Loan (Part Two)

December 4, 2019 - In a recent article we discussed issues that can delay the approval or closing date of your FHA home loan. Do you know what these potential problems are? In Part One we discussed how bankruptcy, foreclosure, and appraisal problems may affect your mortgage loan.

Problems That Can Delay Your FHA Home Loan (Part One)

December 3, 2019 - When applying for an FHA home loan, there are issues that can slow down the progress of your mortgage, whether you are applying for a mobile home loan or an FHA One-Time Close Construction Loan. Some may be preventable in the planning stages of your loan.

FHA Loans in 2020: Pay Attention to Your Debt-To-Income Ratio

December 2, 2019 - Your FHA loan options in 2020 include new purchase loans, reverse mortgages, cash-out FHA refinance loans, and the One-Time Close construction loan if you want a house built for you. But planning ahead is key and you will need to examine and work on the amount of debt you carry