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Choose from several FHA loan programs that are backed by HUD: Adjustable Rate Mortgages, Fixed Rate Loans, Energy Efficient Mortgages, Graduated Payment Loans, Condo Loans, and Growing Equity Mortgages.

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January 23, 2018
FHA Rates for January 23, 2018
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FHA Loan Types

Choose from Several 2018 FHA Mortgage Programs

An FHA loan benefits those who would like to purchase a home but haven't been able to put money away for the purchase, like recent college graduates, newlyweds, or people who are still trying to complete their education.

The FHA adjustable rate mortgage is a HUD mortgage specifically designed for low and moderate-income families who are trying to make the transition into home ownership.

Many homeowners with adjustable rate mortgages find themselves in financial trouble because of current interest rate increases. FHA Secure refinancing can help when foreclosure is a threat.

An FHA reverse mortgage is designed for homeowners age 62 and older. It allows the borrower to convert equity in the home into income or a line of credit.

The FHA Energy Efficient Mortgage program helps current or potential homeowners significantly lower their monthly utility bills and incorporate the cost of energy efficient improvements into their mortgages.

Graduated Payment Mortgages are FHA loans for home buyers who currently have low to moderate incomes but expect them to increase substantially over the next 5 to 10 years.

FHA Section 245(a) allows those who currently have a limited income, but expect that their monthly earnings will increase, to purchase a home with the help of a Growing Equity Mortgage in which payments start small and increase gradually over time.

FHA condominium loans, sometimes called condo loans, are specifically designed toward those who purchase housing units in a condominium building.

Various loan options are available for those who prefer not to use the loans noted above. These alternatives include VA loans, conventional loans, jumbo fixed rate loans, among others.

FHA Loan Articles and Mortgage News

Read About FHA Requirements, Updates, and Guidelines
FHA Rehab Loans for Federal Disaster Areas

December 28, 2017 - For homeowners trying to recover their homes after Hurricane Irma, Hurricane Harvey, and Hurricane Maria, there are FHA loans available to help. The FHA 203(h) Rehab Loan is specifically for those in federally declared disaster areas and can be sometimes used with the FHA 203(k) rehab loan.

What You Should Know About FHA Loans and Commerical Properties

December 20, 2017 - What should you know about applying for an FHA loan for a commercial property? Is such a loan possible? A great deal depends on how residential the home is and the amount of non-residential use of the property’s total floor space.

What Are the Requirements for an FHA One-Time Close Construction Loan?

November 13, 2017 - What are the requirements for an FHA One-Time Close Construction Loan? These loans can be different that a standard FHA new purchase loan-there are builders to pay, inspections, and other issues that don't come with other types of mortgage loans.

What Should I Know About Applying for an FHA Mortgage?

November 2, 2017 - What should I know about applying for an FHA mortgage? FHA home loans differ from their conventional counterparts in many ways including a lower down payment requirement, generally more forgiving credit requirements, and occupancy rules.

Is There a No Money Down FHA Loan Option?

October 2, 2017 - The FHA Single-Family Home Loan program does not feature a no money down option. However, there are state and local programs that may offer assistance to home buyers, first-time home buyers, or home buyers who are in financial need.

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!