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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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November 13, 2019
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FHA.com is a privately owned website, is not a government agency, and does not make loans.

FHA Loan Types

Choose from Several 2019 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.

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FHA Loan Articles and Mortgage News

FHA Loan Appraisal Issues: Cosmetic or Health Hazard?

November 2, 2019 - Raising awareness of the lead paint issue is a priority with HUD if the number of awareness campaigns the agency has run over the years is any indication. FHA assumes that homes built before the 1978 lead paint ban went into effect are presumed to be contaminated.

Who Offers the Lowest Down Payment Option?

November 1, 2019 - Do you need a home loan? Are you looking for a lower down payment? Borrowers often want to know who offers the lowest mortgage loan interest rates and the lowest down payments, not realizing that they have a say in what is offered.

FHA Foreclosure Prevention in Federal Disaster Areas

October 31, 2019 - In August of 2019, the Department of Housing and Urban Development official site was updated to include new guidelines for loss mitigation procedures and foreclosure prevention help for qualifying borrowers affected by natural disasters in federally-declared disaster areas.

Refinance Loan Rules: Know Before You Apply

October 30, 2019 - The most important rule to know starting out is that you do not have to have (in most cases) an existing FHA mortgage to refinance; you can have a conventional, VA, USDA or other non-FHA mortgage and qualify for a refi.

What Your Lender Can Tell Your Before You Commit

October 24, 2019 - Buying or refinancing a home with an FHA mortgage should mean shopping around for the right participating lender. It doesn’t always happen as some borrowers will select their current lender or possibly a new one that offers better terms