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FHA home loan programs are easy to qualify for because bad credit is allowed and virtually no equity is required to refinance.

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Government home financing has become very popular as the FHA loan programs have expanded for first time home buying and refinancing opportunities. Over the last three decades, no finance vehicle has help more first time homebuyers than the FHA loan programs. FHA mortgage programs continue to evolve with cash out refinancing, home rehabilitation and energy efficient initiatives. Our FHA Loan Company assists consumers with government loan programs for refinance and purchase. Homebuyers need to come up with 3% to finance the specified home. Borrowers can take out FHA loans up to $729,750 if you are buying in one of the more expensive neighborhoods. Over the last few years, HUD has implemented significant changes to the FHA loan programs. Just a few years ago, the maximum loan amount for FHA insured amount was only at $362,790. Congress finally passed the bill approving FHA Loan Limits for 2013 and 2014.

  • FHA Loan for First Time Home Buyers
    Buy a home with only a 3.5% down-payment.
  • 203b Cash Out Refinance
    Get money financed into a refinance loan to 85%
  • FHA Streamline Refinance
    No income documentation and no appraisal
  • 203k for Home Rehabilitation
    Finance home remodeling and energy efficiencies.
  • FHA Loan Modification
    Renegotiate your rate if you do not qualify for a FHA refinance.
  • FHA Loan Refinance
    Choose between a rate and term and cash refinancing options
  • Some recent changes to the FHA loan program to note:  FHA home purchase loans require a 3.5% down-payment. Last year the maximum loan to value was 97% and now it is 96.5%.  The FHA streamline refinance program now prohibits borrowers from financing the lender closing costs.  FHA streamline borrowers will now have to pay for their closing costs out of their pocket.  In other FHA news, the House Approves Bill to Raise FHA Insurance Premiums. This measure would gradually raise the insurance premium from 0.5% to 0.85% and then to 0.9%.

     

    Get Insight into New FHA Loan Programs Purchase- Refinance and Mortgage Help
    FHA Loan Program

    Getting approved for a home purchase or refinance loan from a conforming loan company can be challenging but with government inspired mortgage relief, the FHA loan program has suddenly become a cost-effective option for millions of American consumers. Borrowers may be eligible for expanded credit guidelines and new bad credit mortgage loan programs.

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    If you are considering a FHA loan program, you will need to document your income, employment and in most cases the proposed mortgage payments must be less than 43% of their gross income after monthly expenses like car payments and credit card bills.

    FHA streamline loans were created to simply the refinancing process for borrowers who already have a FHA loan. The Streamline eliminated the pre-payment penalty and cut through the time consuming steps like appraisals.

    Rate & Term Refinance with FHA Mortgage can be taken out to 96.5% Loan to Value if you only need to revise your 1st or 2nd mortgage.

    Cash Out Refinance Loans - can be taken out to 85% Loan to Value if you need additional cash beyond the mortgage refinance. If you need to consolidate unsecured debt, then you will need a "cash out" loan.

    Find Affordable Lower Mortgage Payments
    FHA Home Loan Limits
    All Loans subject to FHA loan limits by state and county (see www.hud.gov). Check these popular listings for new mortgage limits queried specifically by state. The loan limits were recently increased by HUD. Since home loan limits can vary from state to state, please contact your assigned loan officer to verify applicable loan increases.
    Arizona FHA Loans
    California FHA Loans
    Florida FHA Loans
    Massachusetts FHA Loan
    North Carolina FHA Loans
    Pennsylvania FHA Loans
    Washington FHA Loans
    Alabama FHA Loans
    Missouri FHA Loans
    Maryland FHA loans
    Nevada FHA Loans
    New Jersey FHA Loans
    Virginia FHA Loans
    Ohio FHA Loans
               
           
       

    The interest rates for FHA refinance and home purchase loans remain competitive and comparable to conventional Fannie Mae mortgage rates.

    FHA loan requirements have seen some dramatic changes recently but the income documentation requirements have stayed the same. For all FHA home loans, borrowers will need to supply W2's, pay-stubs and full tax returns from the last few years

     

    Many distressed homeowners are unable to meet the requirements for a FHA mortgage refinance.

    Consider Hope for Homeowners, the FHA Short Refinance and HAMP if you need relief or a refinancing alternative.

     
     
     

    © 2008 to 2013 - FHAHomeLoanRefinancing.com - This is a website and does not guarantee loans online. This is not an advertisement for credit or a commitment to lend. FHAHomeloanRefinancing.com does not extend credit on FHA mortgage programs. FHAHomeloanRefinancing.com has no affiliation with FHA or any other government subsidiary. Certain restrictions and requirements may apply. - Site Disclosures

    FHA Home Loan Refinancing Corporation, 3 Mason, Ste B, Irvine California 92618 | FHA Refinance Rate | Blog for FHA Loans and Rates | FHA Loan Lenders | 2013 Loan Limits | FHA Refinance Requirements 2014 | FHA Loan Requirements in 2014

    This is not a commitment to lend. Certain restrictions may apply on FHA loan programs.