Skip to Content
Mortgage Research Center, LLC: Not affiliated or endorsed by the Dept. of Housing and Urban Development or any govt. agency. NMLS #1907. Not available in NY. Legal

Latest FHA Loan Articles

  • Guide To Buying a House With Student Loan Debt: Advice for Homebuyers

    Having student loan debt doesn’t disqualify you from a mortgage. Follow the tips in this article to learn strategies for buying a house with student loan debt.

  • A Closer Look at FHA Manufactured & Modular Homes

    The FHA loan is typically used to purchase suburban homes or condominiums, but it can also be used to buy manufactured homes, also known as mobile homes.

  • Buying a House While in College

    Is it possible to buy a house while still in college? With the right mortgage, a robust financial backbone, and a lot of dedication, it may be possible.

  • FHA vs. VA Loans: What Veterans Should Know

    FHA and VA loans are both government-backed loans that can be great options for first-time homebuyers, with each having similarities and differences in terms of requirements. In this guide, we'll break down the specific qualifications needed for each loan so you can determine which one is right for you when buying a house.

  • Millennial Home Buying Trends for 2021

    As one of the largest generations purchasing homes today, millennial home buying trends are changing the current buyer market.

  • Guide for Single-Parent First-Time Homebuyers: 10 Tips for Single-Income Success

    Buying a home as a single parent has its challenges. Follow our tips to learn more about how to purchase a home as a single-parent first-time homebuyer.

  • 20 Questions To Ask Your Mortgage Lender When Shopping for a Starter Home + Printables

    Wondering how a mortgage works, but don't know what questions to ask your mortgage lender? From types of loans to closing costs, we've got you covered.

  • Should I Buy a House Now or Wait?

    Buying a home is a huge milestone, and deciding whether or not you’re ready to take that leap can sometimes be difficult, especially in today’s climate. There are many things to consider when making such a huge decision, including your personal finances and the state of the market.

  • Types of FHA Loans

    The many different types of FHA loans all offer surprising flexibility and are great options for first-time homebuyers, keep reading to find out why!

  • List of FHA Down Payment Assistance Programs

    One of the many benefits of an FHA loan is the low down payment requirement of 3.5%. Despite the low down payment requirements, some buyers might still need a little help.

  • Best First-Time Homebuyer Programs

    First-time homebuyers have a multitude of home loan programs available to them that make it easier to achieve the dream of homeownership without the traditional 20% down payment and strict credit requirements. This article breaks down the basics of the most popular programs available to first-time homebuyers.

  • Complete Guide to the FHA 203(k) Loan

    FHA 203(k) loans are a type of home improvement loan backed by the Federal Housing Administration. They are designed to cover the cost of renovations and repairs.

  • FHA Loan Back to Work Program

    The FHA discontinued its Back to Work program indefinitely on September 30th, 2016. While there is no direct alternative to the program, home buyers shouldn't lose hope.

  • FHA Loan Credit Requirements

    With home prices rising, buying a home is becoming more and more difficult for many Americans. Fortunately, thanks to FHA loans, homeownership is still within reach, even for those with less-than-perfect credit.

  • Best and Worst Cities For First Time Homebuyers

    Purchasing a home is a big financial decision for homebuyers, especially those who might be going through the home buying process for the first time. Often times first-time buyers are looking for that extra reassurance that they are making the right decision.

  • Home Buying Checklist: 10 Tips and Tricks for New Buyers

    Buying a house is a big undertaking. Not only is it a lot of work (and a lot of money), but it’s also a decision that will impact your life significantly — for years, maybe even for decades to come.

  • Comparing FHA and Conventional Home Loans

    When it comes to mortgages, you have a lot of options. Two of the most common are FHA and conventional loans. Though both can be great products to help you buy a home, each has its own unique pros and cons...

  • FHA Loans in Florida

    Floridians should consider the Florida FHA loan program, and it offers homebuyers a lower down payment and a lower required credit score when compared to conventional loans.

  • FHA Loans in Arizona

    When buying a home in Arizona, the easiest part is choosing a property. When it comes to financing, many Arizonans take out an FHA loan.

  • FHA Loans in Georgia

    Purchasing your first home is complicated, especially deciding on a financing package, but thankfully the Georgia FHA loan program can help simplify the process.

  • FHA Loans in Alaska

    To make your home buying process easier and more affordable, consider choosing an FHA loan to finance the home of your dreams in Alaska.

  • FHA Loans in Alabama

    Unfortunately, the home financing process isn’t as straightforward as finding where you want to live. This is where Alabama FHA loans can help.

  • FHA Loans in Delaware

    An FHA loan is a mortgage option Delaware homebuyers find appealing, because FHA loans generally have lower down payments and interest rates compared to conventional loans.

  • FHA Loans in Illinois

    Choosing to buy a home in Illinois is a great choice. Many Illinois residents are using FHA loans to save a little extra money.

  • FHA Loans in Iowa

    Deciding to purchase a home is exciting, but navigating all of your home financing options can be overwhelming. Learn how securing an FHA loan in Iowa might simplify the process.

  • FHA Loans in Idaho

    The FHA loan program can help simplify the process of buying a home for Idaho residents. Keep reading to find out if an FHA loan in Idaho is the right mortgage option for you.

  • FHA Loans in Kansas

    FHA loans can simplify the process for buyers who qualify, and many Kansans find they save them money in the long run. Continue reading to see if an FHA loan is the right mortgage option for you.

  • FHA Loans in Kentucky

    FHA loans are a great option for those looking to buy a home in Kentucky. They have lower down payment and credit requirements than conventional loans, which equates to some pretty big savings.

  • FHA Loans in Connecticut

    A Connecticut FHA loan is an appealing financing option for buyers because the requirements are less selective than for conventional loans.

  • FHA Loans in Maryland

    An FHA loan in Maryland is one mortgage option people find appealing. Keep reading to see why so many people are choosing a Maryland FHA loan, and see if it's the right choice for you.

  • FHA Loans in Maine

    With so many home loan options on the market, it can be hard to choose the right one. A Maine FHA loan is a great option for many first-time homebuyers.

  • FHA Loans in Colorado

    For some Coloradans, deciding on a home loan financing option can feel like a chore, but it doesn’t have to. See why a Colorado FHA loan could be the right choice for you.

  • FHA Loans in Massachusetts

    With an FHA Loan, buyers have the opportunity to save significantly when closing on a home. Continue reading to see if an FHA loan in Massachusetts is the right choice for you.

  • FHA Loans in Minnesota

    Many first-time homebuyers in Minnesota decide to take out an FHA loan to save money on a down payment! Keep reading to learn more about FHA loans.

  • FHA Loans in Michigan

    With generally lower credit score requirements and low down payment opportunities, FHA loans are a popular choice for first-time homebuyers in Michigan.

  • FHA Loans in California

    An FHA Loan in California is a great option for those looking to save money on a down payment. Continue reading to learn how the FHA loan program can make your home-buying decision a bit easier.

  • FHA Loans in Mississippi

    An FHA loan in Mississippi is great for first-time homebuyers, or those who simply don’t have enough cash for a traditional down payment.

  • FHA Loans in Montana

    With a Montana FHA Loan, buyers can dodge high down payments and work with not-so-perfect credit scores. Keep reading to learn more!

  • FHA Loans in New Hampshire

    The FHA loan program is a great option for first-time homebuyers, because it presents borrowers opportunities for big savings, and that's why many New Hampshire residents are turning to them.

  • FHA Loans in New Mexico

    Many New Mexico residents are turning to the FHA loan program to finance their homes, allowing them to avoid high down payments and save some extra cash.

  • FHA Loans in North Carolina

    North Carolina FHA loans are a great option if you don’t have a lot of extra cash for a down payment, especially if you’re a first time home buyer.

  • FHA Loans in North Dakota

    Savvy buyers look to FHA loans in North Dakota because they generally require lower down payments than conventional loans, which means more money in their pocket.

  • FHA Loans in Oregon

    Thanks to the FHA loan program, many Oregonians have purchased homes with less-than-ideal credit scores and save money by putting as little as 3.5% down.

  • FHA Loans in Pennsylvania

    If you’re looking to save some money, are a first time home buyer, or maybe don’t have an established credit history, the Pennsylvania FHA loan program may be the best option for you.

  • FHA Loans in Louisiana

    Choosing a home financing option can be difficult to understand. Many Louisianans choose an FHA loan in order to save money on a down payment.

  • FHA Loans in Rhode Island

    The Rhode Island FHA loan program is a great option if you're a first time homebuyer, you want to take advantage of low down payments, or you lack perfect credit.

  • FHA Loans in South Carolina

    When buying a home in South Carolina, the hardest part is choosing a mortgage. When it comes to financing, many South Carolinans take out an FHA loan.

  • FHA Loans in South Dakota

    Many South Dakota homebuyers are utilizing the government-backed FHA loan program to save money and help get them and their families into homes.

  • FHA Loans in Ohio

    Hunting for a house is fun, but deciding on how to finance it usually isn’t. That's why many first-time home buyers in Ohio decide to take out an FHA loan.

  • FHA Loans in Tennessee

    Tennessee is a wonderful place to buy a home, but choosing the right financing option can be overwhelming. This is where FHA loans can help.

  • FHA Loans in Texas

    Living in the Lone Star State is a great choice when it comes to purchasing a home. Many first-time homebuyers are turning to FHA loans in Texas to save some big money, and time, on their mortgage.

  • FHA Loans in Hawaii

    If you’re considering buying a home in Hawaii, don’t let the high cost of living dissuade you! Thanks to the Hawaii FHA loan program you can save big.

  • FHA Loans in Vermont

    Whether you’re a first-time homebuyer or not, the Vermont FHA loan program can save you money on a down payment. Continue reading to learn more!

  • FHA Loans in Virginia

    A Virginia FHA loan is an option many first-time homebuyers in the state are using to avoid high down payments and work with not-so-perfect credit scores.

  • FHA Loans in Washington

    Many Washington homebuyers worry they don't have an adequate credit score, or sufficient savings for a 20% down payment. Fortunately, the FHA loan program can help.

  • FHA Loans in Nebraska

    An FHA loan is one mortgage option residents of Nebraska find appealing for its low money down option and low credit requirements. Keep reading to learn more!

  • FHA Loans in Indiana

    You’re not the first to be frustrated by the home loan process. Many Indiana residents have found themselves in the same position and found there’s an easier way: Indiana FHA loans.

  • FHA Loans in West Virginia

    The West Virginia FHA loan program is an awesome choice for those looking to purchase a home in the state without breaking the bank with their down payment.

  • FHA Loans in Wisconsin

    Looking for the perfect home can be exciting, but looking for the right loan can be a hassle. To make the process easier, consider a Wisconsin FHA loan.

  • FHA Loans in Utah

    Thanks to the Utah FHA loan program, you can purchase a home in Utah without having to put down a huge down payment or stressing about how you'll finance it.

  • FHA Loans in Arkansas

    The FHA loan program allows buyers in Arkansas the ability to avoid high down payments and work with not-so-perfect credit scores when financing their home.

  • FHA Loans in Wyoming

    If you're looking to buy a home with a less-than-perfect credit score the Wyoming FHA loan program could be the right choice for you, keep reading to find out!

  • FHA Loans in Oklahoma

    When financing their home, many Oklahomans opt for an FHA loan so they can avoid strict credit score requirements and save money on their down payment.

  • FHA Loans in Missouri

    FHA loans are great for Missouri homebuyers who may not have an established credit history, or who don’t want to spend a fortune on their down payment.

  • How to Build a Home with an FHA New Construction Loan

    With only 3.5% down, qualified buyers can take advantage of FHA’s competitive rates and inclusive credit score requirements for construction on their new home.

  • FHA Loan Employment Requirements

    To qualify for an FHA loan, you’ll need sufficient proof of income to show lenders you can repay the debt, thankfully many different employment scenarios apply.

  • Purchasing a Condo with an FHA Loan

    FHA home loans are surprisingly flexible, allowing buyers to purchase a variety of different approved condominiums, so long as the condos comply with FHA loan condo requirements.

  • A Complete Breakdown of FHA Loan Occupancy Requirements

    The FHA typically requires borrowers to occupy the property they’re buying and use it for their primary residence for at least one year.

  • Getting an FHA Loan After Bankruptcy or Foreclosure

    The FHA’s standards for approval tend to be less stringent, often making them an even better choice for buyers with a foreclosure or bankruptcy tainting their record.

  • Understanding the FHA Loan Appraisal Process

    FHA loan appraisals are used to determine a home’s fair market value, and to ensure it meets all minimum property requirements set by the government.

  • FHA Loan Down Payment Requirements

    One of the biggest benefits of an FHA loan is the low down payment it requires. FHA loans require a down payment of just 3.5 percent of the home’s purchase price/appraised value,

  • FHA Loan Refinancing Options

    For homeowners with FHA loans, there are several ways to approach a refinance, each with its own unique advantages and use cases.