Quantcast

FHA loans can make your homebuying dream a reality with competitive rates and a low down payment. Prepare for your FHA home loan with some important steps to make sure you can afford the mortgage.

FHA Loan Programs for 2023

The most recognized 3.5% down payment mortgage in the country. Affordable payments w/good credit.

Are You Watching Your Credit Score?

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


- Improving Your Credit Score Has Never Been More Important -

Get started one
Get started two
Get started three
Get started four
FHA.com is a privately owned website, is not a government agency, and does not make loans.

Choose a Loan Type

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

FHA Loan for Homeowners

Take the Steps to Get Your Mortgage

Purchasing a home is one of life's major landmarks and for some, it is even a dream come true. At FHA.com we understand the magnitude of this decision and it is our goal to make your transition into home ownership unforgettable. Regardless of whether this is your first or your fifth home purchase we will do our best to ensure that getting you into your new home is a pleasant and memorable experience.

FIRST STEPS

When you begin to seriously consider purchasing a new home it is important that you follow some simple steps to make sure that the process runs smoothly.

The first thing you should do is an analysis of your debt to income ratio. This important step will let you know what type of home you can afford based on your monthly income and expenses.

The next important step in purchasing a new home is to get pre-approved for a home loan. The peace of mind that comes with knowing that your mortgage loan and credit report have been approved will allow you to shop for your new home with confidence. And when you find a home and are ready to make an offer the fact that you have already been pre-approved for your loan amount will give the seller confidence in you as a buyer.

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


GET STARTED

FHA Loan Articles and Mortgage News

Can My Mortgage Payment Increase?

May 25, 2023 - There are several reasons why a mortgage loan payment might increase. Some borrowers mistakenly assume their home loan payments will never go up, but depending on circumstances, the amount you owe each month may change depending on several variables.

Buying a Home? How Your Income Helps or Hurts Loan Approval

May 22, 2023 - Your income matters if you want to buy or build a home with an FHA mortgage. But there are some misconceptions about home loan approval regarding income. Do you know the difference between the facts and the fiction about home loan income requirements?

FHA Announces New HECM Policies

May 21, 2023 - The FHA Home Equity Conversion Mortgage, or HECM loan, is a reverse mortgage option for seniors, allowing them to borrow against the value of their home without a monthly mortgage payment. HUD and FHA announced revised HECM rules that allow for faster payments.

Time Is Running Out to Apply for FHA Loan COVID-19 Relief

May 20, 2023 - Time is running out to apply for FHA loan forbearance due to COVID-19 financial complications. Homeowners with FHA mortgages who experienced pandemic-related financial hardship could apply for relief through FHA loan forbearance options offered during the pandemic.

Home Buying Resources

May 18, 2023 - If you want to buy a home and you’re a first-time home buyer, there are plenty of resources you can use to learn more about buying a home, finding contractors to perform home inspections or renovation work, and credit monitoring services that can help.