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New FHA / HUD Guidelines will insure new increased loan amounts based on your county and state. Qualifying customers can now apply for an FHA Jumbo Loan.

FHA Rates Near 50 Year Low!

Now is the time to drop the interest rate on your 30-year mortgage or refinance into a 15-year home loan.

FHA Rates for August 1, 2021
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NOTICE: Some FHA mortgage lenders are substantially raising FICO score requirements during the Coronavirus crisis, even though FHA minimums remain unchanged.


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

FHA Jumbo Loans

Borrowing the FHA Loan Maximum Amount

FHA Jumbo Loans

New FHA / HUD Guidelines will insure new increased loan amounts based on your county and state. That means you can take advantage of new maximum loan limits for FHA loans. Qualifying customers can now apply for an FHA Jumbo Loan up to the maximum allowed by FHA. You can apply for a home loan with 3.5% down under new FHA loan limits.

A sampling of FHA approved lenders show the following qualifying guidelines:

  1. Qualified borrowers pay for closing costs plus down payment covering the 3.5% statutory minimum.
  2. Standard FHA guidelines and regulations apply, yet many lenders do require a 580 FICO score.
  3. For greater loan amounts on purchases, minimum FICO scores increase to 600 on Purchase, Rate / Term refinances and to 640 on cash-out refinances.
  4. Maximum Debt to Income Ratio's are 43% on the back end.
  5. No down payment assistance on loan amounts over $484,350.
  6. No non traditional credit.
  7. Declining Markets: Two appraisals will be required when the loan amount, excluding upfront MIP, will exceed $484,350 and the LTV equal to or greater than 95%.

FHA Loan Programs

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FHA Loan Articles and Mortgage News

FHA Loan Rates: Things to Know

July 17, 2021 - The interest rate on your mortgage is an important aspect of your home loan--one you’ll want to think about as early as possible in your planning stages.  If you don’t run the numbers on how much your mortgage will cost over the lifetime of the loan, you’re at a disadvantage.

Benefits of an FHA Loan

July 14, 2021 - What are the benefits of an FHA mortgage loan? There are many things that borrowers may view as helpful, more than may be viewed as pro-consumer, but what are the actual benefits of an FHA mortgage over other types of home loans?

FHA and USDA Home Loan Comparison - Part Two

July 10, 2021 - USDA loans are intended for purchasing a home in agency-defined rural areas. FHA home loans feature no such restrictions on where you may purchase the home, though there are typical considerations for certain natural disaster zones, coastal barrier resource system or protected areas.

FHA and USDA Home Loan Comparison - Part One

July 8, 2021 - If you are looking for an affordable home loan with a low down payment, you have several options depending on your circumstances, financial goals, and credit history. Yes, you have conventional mortgages as an option, but there are also USDA and FHA mortgages.

FHA Rules for Manufactured / Modular Homes

July 6, 2021 - Manufactured and/or modular homes are often sold and transported in sections to be assembled on-site. Some buyers may wonder if the assembly counts as construction, and would such construction reclassify the manufactured home in the eyes of the FHA?