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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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December 15, 2018
FHA Rates for December 15, 2018
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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

Long-Term Planning and Your FHA Home Loan

December 5, 2018 - When you purchase a home with an FHA mortgage, are you already contemplating when you might sell or refinance? It may sound premature to some, but for those who prefer long-term financial planning a strategy for home ownership makes sense.

What Is a Conforming Loan Limit?

December 4, 2018 - No matter if the loan you’re interested in is an FHA One-Time Close construction loan, an FHA purchase loan for existing construction, or even a USDA home loan, you will encounter the phrase conforming loan in your home buying journey.

Choosing Between FHA and VA Home Loans

December 2, 2018 - The average civilian with no time in uniform cannot be approved for a VA home loan because this mortgage is a benefit offered in exchange for military service. FHA mortgages, on the other hand, are open to all financially qualified borrowers. 

Five Reasons a Home Might Be Rejected for an FHA Mortgage

December 1, 2018 - FHA mortgage loans require the home to meet minimum standards in order for the loan to be approved by your participating lender. There are some issues that leave the lender no choice but to deny the mortgage. Do you know what those are?

Millenial Home Buyers, DIY, and FHA Loans

November 29, 2018 - A study by the National Association of Realtors reveals that a large number of house hunters in the Millennial age range purchased a previously owned home that requires some kind of repair work. If it’s safe to assume that Millennials love fixer-upper homes.

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!