FHA.com: Home Purchase and Refinance Loans

FHA Loan Programs for 2024

The most recognized 3.5% down payment mortgage in the country. Affordable payments w/good credit.

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FHA.com is a privately owned website, is not a government agency, and does not make loans.
Frequently Asked Questions

Learn About FHA Loans and How You Can Qualify

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FHA collects a one-time Up Front Mortgage Insurance Premium (UFMIP) and an annual insurance premium (MIP) which is collected in monthly installments. Most FHA loan programs make the UFMIP a requiremen...


Credit score requirements vary from lender to lender, but the FHA single family home loan minimum credit score requirement is 580 for maximum financing (requiring a 3.5% down payment). If your credit ...


The primary difference between conventional loans and FHA loans is that conventional loans are not government-insured. FHA loans are guaranteed with government funds that provide extra protection for ...


What you can afford depends on how much you make, your current monthly expenses, your credit rating, how much your down payment will be, and the interest rate of the loan. Owning a home is a great way...


Mortgage insurance is a policy that protects lenders against losses that result from defaults on home mortgages. FHA requires both upfront and annual mortgage insurance for all borrowers, regardless o...