Discover everything you need to know about the Federal Housing Administration. From its history to its role in modern housing, our articles provide a deep dive into FHA’s significance and operations.
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 »
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 »
Most home buyers in 2026 will choose between a conventional loan and an FHA-insured mortgage. If your credit sits in the mid-600s or higher, both are realistically available — conventional allows 3% down and FHA allows 3.5% — so the decision turns on factors beyond the down payment. Rate is the smallest of them. Key… Read More »
Gather these before you apply, not after. Missing paperwork is the most common reason FHA pre-approvals stall, and the delay costs more than it used to, rates moved sharply in September, and a file that sits for two weeks can outlast a rate lock. Here’s the complete list, organized by what each document proves. FHA… Read More »
FHA loans are among the most widely used and most widely misunderstood mortgage programs in the country. Some of what buyers believe was true a decade ago and isn’t anymore. Some was never true. Here are ten myths worth correcting before you rule the program in or out. Myth 1: FHA loans are only for… Read More »
The Federal Housing Administration, known simply to homebuyers as the FHA — has faced tremendous oversight since it was created as part of the National Housing Act of 1934. It has been part of the U.S. Department of Housing and Urban Development (HUD) since 1965, and currently insures loans for millions of American homeowners. In… Read More »
