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.
Frequently Asked Questions

Learn About FHA Loans and How You Can Qualify

X

Showing results for:   fha loan rules   |    clear filter


Borrowers don't usually know this, but lenders are required to verify where earnest money and closing costs come from. These FHA requirements are outlined HUD 4000.1, otherwise referred to as the Sing...


FHA loans do not come directly from the FHA. Instead, the FHA is in the business of guaranteeing loans-reducing the risk to lenders and offering increased borrowing power to qualified applicants. This...


The FHA has anti-flipping rules that would prevent an FHA borrower from buying a home to flip, but there are some exceptions to the FHA’s anti-flipping requirements. In general, FHA loan rules don’t h...


The minimum down payment is expressed in percentage of the loan, not in a dollar amount. FHA loan rules specify that this amount is 3.5%, but in some cases the lender may require a higher down payment...


An FHA appraisal is how your lender gets information to help calculate the fair market value of your home. It is different than a home inspection, which gives the borrower information needed to make a...