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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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August 20, 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 Home Loans: 20% Down Is Not Necessary

August 15, 2019 - Do you really have to make a 20% down payment to get into a home loan? Not with an FHA mortgage. FHA loan program down payment minimums are 3.5% for borrowers with FICO scores at 580 or better. So why do people assume 20% down is required to buy a home?

Compensating Factors for Home Loan Approval

August 13, 2019 - FHA home loan rules in HUD 4000.1 (the FHA Single Family Home Loan Handbook) say the lender can, under certain circumstances, use compensating factors in cases where the borrower’s other financial qualifications may be less ideal than others.

FHA Home Loan Rules You Should Know: Credit Checks

August 11, 2019 - Some borrowers don’t fully understand the home loan process, which can lead to disastrous results if you don’t understand the lender’s approach to credit checks and other loan underwriting procedures.

FHA Home Loan Rules: First-Time Home Buyers

August 9, 2019 - What are the FHA home loan rules for first-time home buyers? If that seems like a trick question to you, you’re on the right track. There are NO FHA home loan rules that pertain exclusively to first-time home buyers.

What Does Your Monthly FHA Mortgage Include?

August 8, 2019 - If you are in the planning stages for an FHA home loan, it’s important to begin budgeting for your home loan-related expenses including appraisal fees, home inspection fees, any required pest control, hazard insurance, and other costs.

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!