Quantcast

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.

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 June 3, 2020
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 Types

Choose from Several 2020 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.

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

FHA Home Loan Procedures During COVID-19

May 23, 2020 - HUD’s updated policies for closing loans during COVID-19 includes a reminder to lenders and borrowers that HUD does not set or enforce guidelines for the use of notarized paperwork to close the loan. Many home buyers were caught by surprise by coronavirus issues.

How FHA Streamline Refinancing Can Help Save You Money

May 22, 2020 - The FHA Streamline Refinance loan is designed to provide a benefit to a borrower that meets FHA requirements and that can include a lower payment. Not every refinance loan can help you get a lower monthly mortgage payment or lower the interest rate.

FHA Loan and Refinance Loan Facts You Should Know

May 21, 2020 - There are misconceptions about FHA home loans and refinance loans that hinder some borrowers from making truly informed decisions about their mortgages. What you don’t know can make a big difference in the price you pay, the terms you accept, and more.

FHA Loan Approval and Your Income

May 19, 2020 - What kinds of income can be used to qualify for an FHA mortgage? If you need to buy a home soon, it's important to understand home loan approval rules, especially in times of economic uncertainty.

FHA Extends Foreclosure and Eviction Moratorium

May 18, 2020 - The Federal Housing Administration has announced an extension to coronavirus-related mortgage relief for American borrowers with FHA home loans. The FHA has lengthened its eviction and foreclosure moratorium on FHA mortgages until June 30, 2020.