FHA Jumbo Loans

An FHA Jumbo Loan is a type of mortgage that falls under Federal Housing Administration (FHA) guidelines but exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. These loans provide borrowers with the opportunity to finance higher-priced homes while still benefiting from FHA’s low down payment requirements and flexible credit qualifications. The… Read More »

Second Chance Mortgage Loans

One of the best second chance mortgage program every year is the FHA loan. House buyers continue to flock to FHA for second chance loans and home financing. Many people think that if they have relatively poor credit, they cannot get an FHA financing, but this is not necessarily the case. Shop Second Chance Loans… Read More »

FHA Loans for Bad Credit

Thousands of borrowers select FHA loans for bad credit every year. If you are shopping for a new home, you may want to consider FHA mortgages insured by the Federal Housing Administration. Realtors, lenders and home buyers continue to use FHA as the go to loan type for mortgages with bad credit scores. Borrowers have… Read More »

FHA Construction Loan Guide

The FHA construction loan program is in high demand as more and more consumers see the value in building a home with government insured construction financing. Many people dream of having a home altered to suit their needs and wants. But constructing the home of your dreams isn’t a piece of cake. To make this… Read More »

Apply for FHA Loan and Get a Pre Approval Online

Are you ready to apply for a FHA loan? Anyone in the process of buying a home with government financing will inevitably deal with a vast array of options and the process of applying for FHA loans online. That’s because lenders offer several pre-approved home loans, but all of them have certain requirements and conditions… Read More »

FHA Loan Limits 2025

Home prices remain near record highs and loan limits continue to keep pace. FHA 2025 conforming loan limits are almost as high as jumbo loans, and this could be the policy for the foreseeable future. After all, home prices don’t seem to be anywhere close to falling soon. What Are the NEW 2025 FHA Loan… Read More »

FHA Minimum Credit Score Requirements 2025

What are today’s FHA credit score requirements?  is one of the most common questions we get from consumers looking to buy a home with an FHA loan. The applicants frequently ask, What credit score for FHA mortgage programs is required to be approved this year? People want to know what credit score is needed to… Read More »

Will FHA Loan Rates Drop in 2025?

Many experts think that FHA interest rates could be in for some unpredictability in 2025. In the last decade, FHA loan rates have been competitive with conventional mortgage rates associated with prime loan programs backed by Fannie and Freddie. The Federal Reserve plans to meet in February, and a critical non-farm payrolls report is due… Read More »

Are There Limits on Seller Concessions on FHA Loans?

Buying a home involves many costs beyond the purchase price, including closing costs, prepaid expenses, and loan fees. For many FHA borrowers, seller concessions can be a game-changer, helping to reduce upfront expenses and make homeownership more affordable. But are there FHA limits on how much a seller can contribute? Yes, FHA loans do have… Read More »

FHA Mortgage for Investment Property?

The allure of real estate investment often leads prospective investors to explore various financing options, including FHA mortgage loans. Many borrowers want to know about FHA loans and investment properties so we are publishing this article to shed some light. Can one utilize an FHA loan to acquire an investment property? These infamous home loans… Read More »

FHA Cash Out Refinance Plan

For several decades the FHA cash-out refinance plan has helped millions of Americans with affordable refinancing with cash out opportunities that do not require as much equity as most conventional mortgages. Do you want to refinance your FHA loan into a lower rate and get cash out? The RefiGuide will help learn everything you need… Read More »

40 Year Mortgage Loan for Low Payments 

Opting for a 40-year mortgage enables you to spread your repayment over four decades to achieve a lower monthly payment. The 40-year loan deviates from the standard 30 or 15-year home loan terms. Whether you want a FHA 40 year mortgage or a 40 year home loan from a private money lender, the RefiGuide connects… Read More »

FHA 203k Loan for Home Rehab

A potential home buyer who wants to buy an older home that needs repair might want to consider the FHA 203k rehab loan. This is a federally guaranteed home loan that allows you to wrap a home improvement loan into the overall mortgage. Americans have been cherishing homeownership since its inception and the HUD offers… Read More »

Can You Buy a Bank-Owned Home with an FHA Loan​?

Purchasing a bank-owned home, also known as a Real Estate Owned (REO) property, can be an attractive option for homebuyers seeking potentially lower prices. An FHA loan, insured by the Federal Housing Administration, offers a pathway to finance such purchases, especially for those with limited down payments or less-than-perfect credit. This article explores the feasibility… Read More »

FHA Home Loan Requirements

Do you want to use FHA loans to buy your next home? If so, you probably have a lot of questions about FHA home loan requirements and the financing process and what you need to do to be approved in 2025. It is important for perspective house buyers to know what the qualifications are to… Read More »

How to Get Rid of PMI on an FHA Loan

For many homeowners with FHA loans, Private Mortgage Insurance (PMI) can feel like an unnecessary burden—an extra monthly cost that doesn’t directly contribute to paying off the mortgage. While PMI helps protect lenders, it can weigh heavily on homeowners’ budgets over time. How do you get rid of PMI on an FHA loan? We published… Read More »

FHA Streamline Refinance with No Appraisal and No Credit Check

The FHA streamline refinance has been one of the most popular refinancing program for over 3 decades now. If you hold an FHA mortgage now, you have the option of refinancing with the FHA Streamline Refinance program. FHA customers continue to request the FHA streamline refinance without appraisal. This popular FHA refinance loan can make… Read More »

Refinancing a FHA Loan

For 90 years the Federal Housing Administration has been insuring FHA refinancing loans for qualified borrowers in the United States. When interest rates drop, it makes sense to find out if refinancing with FHA would lower your mortgage payment and save you money.  FHA offers rate and term, cash out refinancing and streamline refi programs… Read More »

Shop for the Best FHA-Mortgage Rates from Top Lenders

FHA loans have been a driving force in the housing industry offering affordable home financing for over five decades. Are you considering an FHA mortgage to buy your next home? If so, you probably have a lot of questions about the FHA loan process and what you need to do to be approved. It is… Read More »

Understanding FHA Mortgage Insurance

An FHA mortgage is a great deal for many Americans because they offer substantial credit flexibility and as low as a 3.5% down payment, with very low interest rates. These mortgage loans are guaranteed by the Federal Housing Administration, so lenders are able to offer them to more Americans with lower incomes and credit scores.… Read More »

Why Should I Get an FHA Loan?

Do you want to become a homeowner today so that you can enjoy very low interest rates and increasing home prices? As of early this year, the housing market is getting stronger, and it is a good time to buy your first home. One of the most popular ways to buy a first home today… Read More »

FHA Manufactured Home Loan Guidelines, Requirements and Eligibility

Are you looking for an affordable manufactured home loan with a competitive FHA mortgage? Manufactured homes, sometimes referred to as mobile homes, or prefab homes, provide a more affordable, more extensive, and customized housing option than typical houses. But, that as it may, securing finances for these homes and finding resources can only become quicker… Read More »

Benefits of Getting an FHA Mortgage Loan

The home buying market continues to roar and many consumers are excited to stop paying rent this year. One of the first steps is to apply for FHA home loan financing so let’s explore the opportunities. FHA is a trusted government insured mortgage product. Why Home Buyers Prefer FHA Mortgage Loans FHA loans are mortgages… Read More »

FHA Appraisal Checklist

When you want an FHA loan to buy your home, you need an FHA-approved appraiser to inspect the home before the loan can be completed. A home appraisal is simply an estimate of the current market value of the home. When a property is refinanced or bought, an appraisal is required. FHA lenders use the… Read More »

What Are the FHA Loan Income Limits & Requirements?

If you are intending to get an FHA mortgage this year, you will be interested to learn FHA loan requirements and loan amount limits for the year. HUD recently announced its updated FHA loan income limits and maximum loan amount by region for 2024. It appears most of the US will see a substantial increase… Read More »

How Much of a House Can I Afford with FHA Financing?

Are you excited to buy a house this year? You may be able to afford a low rate FHA home financing for several reasons. FHA financing is insured by the Federal Housing Administration, and feature more flexible underwriting standards than conventional loans. FHA lending standards are easier than most conventional loans and that’s why they… Read More »

How to Buy a House with FHA Mortgages

It’s no secret that the housing market is shaky with inflation and soaring energy costs. Even though the house buying process can add a lot of pressure to your life, if you take a pragmatic approach and work with trusted lending professionals home-ownership can be a wise decision. The Federal Housing Administration was created in… Read More »

Uncovering Self Employed Mortgage Loans from FHA

There is a myth that persists in the mortgage lending world that you cannot get an FHA loan if you are self-employed. This is not true. While it is true that underwriters will scrutinize the self-employed mortgage application carefully, with proper preparation, a self-employed person can get qualified for a home loan insured by the… Read More »

FHA Loan Requirements for Income and Debt to Income Ratios

The Department of Housing and Urban Development recently updated the Debt to Income rules and income requirements for FHA loans. For over eighty years the Federal Housing Administration has been assisting consumers with FHA home buyer loan and refinance mortgage programs that feature flexible income requirements and easy credit rules and guidelines. There is a… Read More »

Conventional Loans vs FHA Mortgages

Most home buyers will choose either a conventional loan or an FHA insured mortgage in 2023. If you have decent credit in the mid-600’s or higher, you may be considering either an FHA or conventional loan. Both programs have loans available with 3% to 3.5% down payments, so which is the best option? It depends… Read More »