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The FHA has many programs set up to assist you with getting into a good home at a fair price, but if you have doubts about your ability to pay, waiting and getting some housing counseling may be a safer bet. A delinquent loan affects your credit rating.

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

Am I Borrowing Too Much?

FHA Common Question #46

FHA guidelines are set up to help you get the amount you are qualified for and set up conditions to allow you to successfully buy an FHA home. What the FHA mortgage rules cannot do is determine whether or not you can meet your monthly obligations. It's up to you to make the call; if you begin the process of buying a home only to realize you can't really afford the size of the payments, immediately discuss the situation with a housing counselor and your lender.

The FHA has many programs set up to assist you with getting into a good home at a fair price, but if you have doubts about your ability to pay, waiting and getting some housing counseling may be a safer bet. A delinquent loan affects your credit rating; waiting until you are sure to purchase a home does not hurt at all.

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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!