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Follow These Tips to Avoid Overpaying for Your First Home

Buying your first home is exciting! But before you jump into that purchase, you should know a few tips to stop you from spending too much. Research shows that first-time homebuyers spend more money on a home than experienced buyers.Compare Offers...

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Mortgage Loans for Purchasing and Renovating a Fixer-Upper

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If you’ve fallen in love with a fixer-upper, you may find that it’s difficult to find financing. Your standard conventional loans or even government-backed loans won’t touch it. The home must be able to pass an appraisal to get this type of financing. So what type of loan can you get that will allow  Read more

Getting an FHA 203K Refinance Loan for Home Repair

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Making changes to your home costs money. Many people assume they need a home equity loan in order to afford the changes. While this loan type does give you the cash necessary to make changes, there is another loan option – the FHA 203K Refinance Loan. You do not have to have an FHA loan currently in  Read more

FHA 203(b) vs 203(k) Loans, Which Is the Purchase Mortgage for You?

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The Section 203(b) and 203(k) lead the FHA’s portfolio of insured home loans. Section 203(b) is the purchase mortgage most commonly used by consumers while Section 203(k) is used for buying and rehabilitating a home. Which between the two FHA-backed purchase mortgages is most applicable to  Read more

Look: 3 Government Refinance Loans Worth Checking Out

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There are a handful of refinance programs available for government-backed loans. FHA streamline refinance aside, these government refinance loans are understandably specific, catering to veterans, rural homeowners and those with fixer-uppers.If you are a homeowner with an existing VA, USDA or  Read more

A Quick Look at FHA Refinance Programs

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The Federal Housing Administration offers a number of refinance options for homeowners. These FHA refinance programs can be loosely classified as cash-out refinance, no cash-out refinance, and short refinance (for non-FHA loan owners). If you want to refinance your current FHA mortgage, check out  Read more

FHA Loans Articles

What is the FHA Self-Sufficiency Test?

If you plan to buy a 3 to 4--unit property and will use FHA financing to buy it, you’ll have to pass the FHA Self-Sufficiency test. Understanding the

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IMPORTANT MORTGAGE DISCLOSURES:

When inquiring about a mortgage on this site, this is not a mortgage application. Upon the completion of your inquiry, we will work hard to match you with a lender who may assist you with a mortgage application and provide mortgage product eligibility requirements for your individual situation.

Any mortgage product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the mortgage credit product.

When applying for a mortgage credit product, lenders will commonly require you to provide a valid social security number and submit to a credit check . Consumers who do not have the minimum acceptable credit required by the lender are unlikely to be approved for mortgage refinancing.

Minimum credit ratings may vary according to lender and mortgage product. In the event that you do not qualify for a credit rating based on the required minimum credit rating, a lender may or may not introduce you to a credit counseling service or credit improvement company who may or may not be able to assist you with improving your credit for a fee.