FHA Requirements
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A good FICO score is key to getting a good rate on your FHA home loan.
FHA Requirements
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Improving Credit
Be smart when it comes to your FHA loan and your financial future.
Ability to Borrow
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This program lets buyers get a single loan with just one closing.
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Buyer Benefits
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Important FHA Terms

Important FHA Terms

FHA Down Payments

FHA Down Payments

FHA.com: Home Purchase and Refinance Loans

FHA Loan Programs for 2024

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First-Time Homebuyers

FHA.com is a privately owned website, is not a government agency, and does not make loans.
FHA Loan Limits
Mortgage Insurance
FHA Credit Issues
FHA Closing Costs
Credit Requirements
Good Credit Benefits
Improve Your Credit
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Ability to Borrow
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Streamline Refinance
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Rehabilitation Loan
Construction Loans
OTC Buyer Benefits
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Build on Your Own Lot
FHA Fixed Rate
FHA ARM
Condominium Loans
Jumbo Loans
Credit Qualifications
FHA Requirements
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Fair Housing Act
Frequently Asked Questions

Learn About FHA Loans and How You Can Qualify

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What is mortgage insurance and why is it a requirement for FHA loans?

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...

The FHA Loan is the type of mortgage most commonly used by first-time homebuyers and there's plenty of good reasons why.

FHA Loan Guide
Learn About FHA Requirements!

FHA.com is a privately-owned website that is not affiliated with the U.S. government. Remember, the FHA does not make home loans. They insure the FHA loans that we can assist you in getting. FHA.com is a private corporation and does not make loans.

FHA Loan Limits
MIP Information
FHA Closing Costs
FHA Debt Ratios
FHA Credit Issues
Loan Checklist
A good FICO score is key to getting a good rate on your FHA home loan.
FHA Requirements
Credit Benefits
Improving Credit
Be smart when it comes to your FHA loan and your financial future.
Ability to Borrow
Loan Affordability
Loan Payments
Streamline Refi
Cash-out Refi
Rehab Loan
Simple Refi
FHA Reverse
This program lets buyers get a single loan with just one closing.
Construction Loan
Buyer Benefits
Builder Benefits
Build on Your Land
FHA Fixed Rate
FHA ARM
FHA Jumbo Loans
Condo Loans

Important FHA Terms

Important FHA Terms

FHA Down Payments

FHA Down Payments
Common FHA Questions and Answers

Common FHA Questions

Purchase or refinance your home with an FHA loan. You can get one with a down payment as low as 3.5%. Browse through our frequent homebuyer questions to learn the ins and outs of this government backed loan program.

Go To Questions
Learn About FHA Loans!

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FHA.com is not a government agency. We do not offer or have any affiliation with loan modification, foreclosure prevention, payday loan, or short term loan services. Neither FHA.com nor its advertisers charge a fee or require anything other than a submission of qualifying information for comparison shopping ads. We do not ask users to surrender or transfer title. We do not ask users to bypass their lender. We encourage users to contact their lawyers, credit counselors, lenders, and housing counselors.