FHA Home Logo

FHA Loan Options
FHA Loan Programs
FHA Rates
FHA Refinancing
FHA Mortgage Refinance
Bad Credit Mortgage Refinancing
FHA Down Payment Assistance Loans
First Time Home Loans for Poor Credit

Loan Limit Info
How FHA Home Loan limits are Set
FHA Loan Amounts
FHA Loan Limits 2014

First Time Home Buyer Loans in California

FHA Loans After Foreclosure or Bankruptcy

Minimum Credit Scores for FHA Loans
Apply for a FHA Loan


Comparing No Closing Cost FHA Loans

FHA home loans may offer no cost options like covered closing fees or no lenders fees, and comparing these mortgages to see which may be the most suitable option for a home buyer is important to finding the best fitting loan for a person's individual situation. FHA home loans will often offer these incentives, but they will sometimes come with the price of higher interest rates or other fees.

Closing costs, paired with a down payment, can be a financial burden for some looking to purchase a home, and these costs will often provide something of an inconvenience to the home buying process. Some FHA home loan lenders will offer to cover the closing costs associated with home buying, leaving the borrower to only pay the down payment, but this will typically come with somewhat higher interest rates over the course of the loan. For example, a person can take the offer of having their closing costs covered, but with an interest rate of 4.5%, where if they opt out of having their closing costs covered their interest rate will only be 3.25%. This option is best for those who may have difficulty obtaining the closing costs plus down payment amount to close on the sale of their home, and wish to buy the home at a faster rate.


Find FHA Loans with No Lender Fees

The same method is often used with no lender fees FHA mortgages, and a person can have their lenders fees covered at the cost of a slightly higher interest rate. This means that the home buyer would not have to pay the lenders fees associated with their home loan, but they may be charged a higher interest rate during the course of their loan repayment.

Preferred Loan Type:
Mortgage Balance
Property Value
Credit Rating
Property State
Full Name
email Address

SSL Encrypted
Filling out this form puts you under no obligations. By clicking "Get Started" I am consenting to have my information shared with one to four brokers or lenders and other business partners and for them to contact you (including through auto means; ie. autodialing, text & pre-recorded messaging) via telephone, mobile device and email, even if your telephone number is currently listed on any state, federal or corporate Do Not Call list.

No cost FHA loans may be the perfect option for some home buyers, as they allow a person to close on their home faster and with less money down. However, these benefits will often come at the cost of higher interest rates to be paid over time, which in turn could cause the home buyer to pay more. For a prospective home buyer that is looking to close on their home quickly, these no cost options may be an ideal fit for their situation, as they would prefer to pay the amount of the closing costs or lenders fees over time through interest rates rather than up-front. However, if the closing costs or lenders fees are not a financial burden on the home buyer, choosing to pay them could prove to be more financially beneficial.


©2008 to 2014 - FHAHomeLoanRefinancing.com - This is a website and does not guarantee loans online. This is not an advertisement for credit or a commitment to lend. Certain restrictions and requirements may apply. - Site Disclosures

Home | FHA Guidelines | FHA Credit | FHA Mortgage Lenders | FHA Requirements
FHA Home Loan Refinancing Co., 3 Mason, Ste B, Irvine California 92618