Can I get an FHA loan if I have credit problems?

The FHA recommends a Consumer Credit Counseling program for anyone who fears being denied a loan as a credit risk. As a rule, you should be in a satisfactory payment situation for at least one year before applying for any FHA loan program.

FHA Requirements

FHA Loan Limits

Mortgage Calculators

Credit Scores and Your Loan

A good FICO score is key to getting a good rate on your FHA home loan.

Requirements
Credit Benefits
Improving Credit
Credit Errors
Identity Theft

FHA Loan Guidelines

MIP Information
FHA Loan Limits
Loan Checklist

FHA Closing Costs
FHA Debt Ratios
FHA Credit Issues

--2017 Mortgage Insurance Update--
--2015 Mortgage Insurance Update--

FHA One-Time Close Loans

This program lets buyers get a single loan with just one closing.

Construction Loan
Buyer Benefits
Builder Benefits

FHA Loan Types

FHA Fixed Rate
FHA ARM
FHA Secure Refi
Reverse Mortgage

Energy Efficient
Graduated Pay
Growing Equity
Condo Loans

--Other Loan Types--

FHA Refinance Loans

Refinancing can be an effective way to put your home equity to work.

Streamline Refi
Cash-out Refi
Simple Refi
Rehab Loan

FHA Loan Calculators

Be smart when it comes to your FHA loan and your financial future.

Ability to Borrow
Loan Affordability
Loan Payments FHA Limits Tool

More FHA Information

Mortgage Facts
Loan Questions
FHA State Grants
FHA Appraisals FHA Jumbo Loans

FHA Inspectors
FHA Foreclosures
FHA Prequalify
Obama Mortgage
The HOPE Act

--Homebuyer Down Payment Grants--

--Mortgage Terminology--

More Links of Interest

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--FHA Site Map--

FHA Mortgage Loan Rates

June 21, 2018

FHA Rates for June 21, 2018

Offering 30 Year Fixed Mortgages

Offering 15 Year Fixed Mortgages

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The Path to Homeownership

FHA.com is a private company, is not a government agency, and does not make loans.

Your Credit Scores

Credit Requirements
Good Credit Benefits
Improve Your Credit
Credit Report Errors
Identity Theft

FHA Requirements

FHA Loan Limits
Mortgage Insurance
Your Loan Checklist
FHA Closing Costs
FHA Debt Ratios
FHA Credit Issues

FHA Refinance Loans

Streamline Refinance
Cash-out Refinance
Simple Refinance
Rehabilitation Loan

FHA One-Time Close

Construction Loans
OTC Buyer Benefits
OTC Builder Benefits

FHA Loan Types

FHA One-Time Close
FHA Fixed Rate
FHA ARM
FHA Secure Refinance
FHA Reverse Mortgage
Energy Efficient
Graduated Payment
Growing Equity
Condominium Loans
Other Loan Types

FHA Loan Calculators

Ability to Borrow
Loan Affordability
Payment Calculator
FHA Limits Tool

More FHA Info

FHA Mortgage Facts
FHA Loan Questions
Mortgage Terminology
Homebuyer Grants
FHA Appraisals
FHA Inspectors
FHA Foreclosures
FHA Prequalify
Jumbo Loans
The Obama Mortgage
Hope for Homeowners

FHA News Blog

Credit Qualifications
FHA Requirements
FHA Closing Costs
Fair Housing Act

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!