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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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March 25, 2019
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FHA.com is a private company, 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 Loans and Credit Scores: What You Need to Know

March 8, 2019 - There are a variety of factors that can influence whether a lender will approve your mortgage loan if you have a lower FICO score. Think about the non-FICO score aspects of your new home loan for a moment-the loan-to-value ratio, the amount of your down payment, and your debt-to-income ratio.

How Long Is the Wait Before FHA Cash-Out Refinaning?

February 15, 2019 - First time home buyers will likely hear a lot about refinance loan options for their first mortgage, and even if you aren’t considering a refinance loan option it is good to know what those options are should you need them later down the line.

FHA Loans After the Government Shutdown: Did Your Credit Take a Hit?

February 9, 2019 - Roughly 800 thousand Americans were directly affected in a financial way because of the government shutdown that began in 2018 and ended in late January 2019. Furloughs, delayed paychecks, no paychecks at all, and resulting financial difficulties were a hot topic of discussion.

FHA Loans In 2019 Offer Choices to Home Buyers

January 31, 2019 - An important thing to know about applying for an FHA mortgage in the new year is that FHA loan limits are higher in 2019, giving people the ability to borrow more to buy a home. And you don't have to stay with your current lender when you are doing an FHA-to-FHA refi loan.

First Homes, First-Time Home Buyers, and Credit Requirements

January 30, 2019 - Looking for a first home but worried about your credit scores? FHA loans feature lower credit requirements but it’s easy to forget that FICO scores are not the only criteria used to judge your ability to afford a first home loan.

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!