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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 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 October 22, 2021
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 -

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

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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  

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FHA Loan Articles and Mortgage News

Considerations When You Want to Refinance

October 14, 2021 - Make the most informed decision about your refinance options as you can considering both. You can negotiate a better rate, monthly payment, or take cash out on the transaction if you choose your loan carefully and do so with an eye on your financial goals.

FHA and HUD Announce Disaster Relief for FHA Borrowers In Vermont

October 13, 2021 - The FHA and HUD have announced foreclosure relief measures and other disaster recovery options for those affected by flooding and storms in parts of Vermont during the summer of 2021. HUD extended an automatic 90-day foreclosure moratorium for Windham and Bennington counties.

FHA Loan Facts You Should Know

October 12, 2021 - Do you have misconceptions about how FHA home loans work? Some people mistakenly count themselves out of the running for an FHA mortgage for reasons that simply are not true. Don’t count an FHA mortgage out of the running if you are comparing loan products to see which one is best for you.

Ways to Improve Your Credit Ahead of Your Home Loan

October 9, 2021 - If you need a home loan, you’re likely planning and saving in advance of your application--applying for a home loan means putting money aside for a down payment, saving for closing costs, and working on your credit and debt ratio in the meantime.

Four FHA Home Loan Tips for Buying a Condo

October 6, 2021 - Are you interested in buying a condo unit with an FHA home loan? It’s an option some borrowers don’t realize they have--some make assumptions about the FHA home loan program and the availability of loans for condo units.