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FHA Loan Qualification

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

FHA Down Payment Assistance


FHA Loan Programs

Government home financing has become very popular as the FHA loan programs have expanded for first time home buying and refinancing opportunities.  FHA mortgage programs continue to evolve with cash out refinancing, home rehabilitation and energy efficient initiatives.  The FHA Home Loan Refinancing 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 a FHA loan 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 2010 FHA loan limits.

  • FHA Loan for First Time Home Buyers
  • 203b Cash Out Refinance
  • FHA Streamline Refinance
  • 203k for Home Rehabilitation
  • Some changes in 2010 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 More info from FHA Loan Experts for New Home Buying or Mortgage Loan Refinancing

    No Cost and No Obligation to Apply.
    3 out 4 applications are approved.

    Preferred Loan Type:
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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 95% 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

     

    Because of plummeting home values and high adjustable rates, many consumers are inquiring about the FHA Secure options that are offered to homeowners who were never late prior to their mortgage adjusting.

    FHA Loan Blog - Read, Comment and Post Questions about Home Buying and Loan Refinancing.

     
     
     

    Equal Housing Lender. © 2008-2010 and Beyond - FHA Home Loan Refinancing, FSB, Government FHA Mortgage Division. Trade/service marks are the property of FHA Home Refinance Corporation, or their respective loan subsidiaries. Some FHA loan products may not be available in all states. This is not a commitment to lend. Certain restrictions may apply.

    FHA Home Loan Refinancing Corporation, 3 Mason, Ste B, Irvine California 92618 | FHA Loan Limits 2010 | California FHA Loan Limits