New FHA / HUD Guidelines will insure new increased loan amounts based on your county and state. Qualifying customers can now apply for an FHA Jumbo Loan.

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.

Are You Watching Your Credit Score?




- Improving Your Credit Score Has Never Been More Important -

FHA.com is a privately owned website, is not a government agency, and does not make loans.
FHA Home Loans

Choose a Loan Type

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

FHA Jumbo Loans

Borrowing the FHA Loan Maximum Amount

FHA Jumbo Loans

New FHA / HUD Guidelines will insure new increased loan amounts based on your county and state. That means you can take advantage of new maximum loan limits for FHA loans. Qualifying customers can now apply for an FHA Jumbo Loan up to the maximum allowed by FHA. You can apply for a home loan with 3.5% down under new FHA loan limits.

A sampling of FHA approved lenders show the following qualifying guidelines:

  1. Qualified borrowers pay for closing costs plus down payment covering the 3.5% statutory minimum.
  2. Standard FHA guidelines and regulations apply, yet many lenders do require a 580 FICO score.
  3. For greater loan amounts on purchases, minimum FICO scores increase to 600 on Purchase, Rate / Term refinances and to 640 on cash-out refinances.
  4. Maximum Debt to Income Ratio's are 43% on the back end.
  5. No down payment assistance on loan amounts over $484,350.
  6. No non traditional credit.
  7. Declining Markets: Two appraisals will be required when the loan amount, excluding upfront MIP, will exceed $484,350 and the LTV equal to or greater than 95%.

FHA Loan Programs

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


FHA Loan Articles and Mortgage News

FHA Rehab Loans vs. Home Improvement Loans

June 7, 2024 - What’s the difference between FHA rehab and home improvement loans? Some people use the terms interchangeably, but an FHA 203(k) rehab loan is very different from a home equity line of credit or a home improvement loan.

Answers to Five Important FHA Loan Questions

June 6, 2024 - New borrowers have many questions about how the FHA loan process works. Whether you’re in the planning and saving stages of the loan or are ready to make an offer on a house, there are some important answers to get along the way to make the most informed decision.

Is Your Home in a Federal Disaster Area?

June 5, 2024 - If you have an FHA loan on a home that has been affected by a natural disaster in a federal disaster area, there are important options for you to know about. You should know more about the options below when trying to settle insurance claims.

Home Loan Interest Rate Tips

June 3, 2024 - An article published by Forbes Advisor notes various home loan interest rate predictions. Some of them might surprise you. Others might not. In general, the feeling among industry pros is that rates aren’t going to take a nosedive anytime soon.

What Affects Your Home Loan Application Before Closing Day?

June 2, 2024 - Once your home loan application is approved, it’s tempting to think you are “bulletproof” on the way to closing day, and nothing can stop your FHA loan now.  But there are some factors to be mindful of before closing day.