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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 23, 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.

NEXT:  How Can I Detect Predatory Practices?

FHA Loan Articles and Mortgage News

How To Use An FHA Home Loan

February 15, 2018 - There are many things you can do with an FHA mortgage, and just as many ways to use FHA refinance loans; buying a home with more than one living unit, refinancing an existing loan to do rehab work, and including energy-efficient upgrades into your new mortgage.

FHA One-Time Close Rules for Down Payments and Interest Rates

February 6, 2018 - FHA One-Time Close construction loans have their own rules for interest rates and down payment requirements. Do you know what they are? It’s good to understand some basics when preparing to apply for this type of loan.

FHA One-Time Close Construction Loan Rules for Water Utilities

January 31, 2018 - FHA loan standards include a set of requirements for utilities, and water quality which must be met as a condition of loan approval. Some properties aren’t served by a local water utility system, and instead rely on well water. They must meet FHA loan standards addressing these areas.

Do FHA Loan Requirements Apply to All Borrowers?

January 26, 2018 - Where basic minimum credit standards are concerned, FHA loan rules apply for all borrowers. One important area where all FHA borrowers are intended to get identical treatment is in the application of Fair Housing law standards. No discrimination is permitted in the FHA home loan process.

FHA One-Time Close Construction Loan Basics

January 12, 2018 - There are FHA home loans for existing construction homes, classified as properties that have had at least one owner, and FHA construction loans that allow a qualified borrower to have a home built for them from the ground up.

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!