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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 21, 2019
FHA Rates for January 21, 2019
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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

HUD Announces Higher FHA Loan Limits for 2019

December 23, 2018 - The HUD official site has announced higher FHA home loan limits for 2019. The higher loan limits are attributed to what the agency describes as robust increases in median housing prices over the last year. Nationwide, the limit for average housing markets in 2019 is $314,827.

FHA Cash Out Refinance Loans and Holiday Debt

December 21, 2018 - There are two things to consider about holiday debt when you are considering your home loan refinance options. One is that for any FHA refinance loan that requires a credit check, your debt ratio will be an important factor in loan approval.

FHA Loan Down Payment Issues You Need to Know

December 17, 2018 - The down payment on a home loan is one of the big expenses borrowers worry about in the planning stages of the mortgage process. What do borrowers need to know about down payments and FHA home loans?

The Difference Between Construction Loans and Rehab Loans

December 13, 2018 - Borrowers who want to have a home built for them instead of buying an existing property should look into the FHA One-Time Close Construction Loan. Borrowers who want to remodel, repair, or renovate a home should consider buying and fixing a property with a rehab loan.

Premium Credit Scores and FHA Mortgages

December 12, 2018 - Do you need a premium credit score to qualify for an FHA mortgage? Great credit scores are very helpful for those who want to buy a refinance a home, but with an FHA mortgage they are not necessarily a requirement for loan approval.

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!