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FHASecure Loan Program


FHASecure is a new FHA mortgage refinancing option enacted on August 31, 2007 to assist home owners who are now facing a mortgage default or foreclosure due to the mortgage payment adjustment of their subprime loans.

Who Should Use the FHASecure Refinance Program?

If you are match any of these statements, the FHASecure Loan maybe able to help you.

  • Currently late and behind on mortgage payments?
  • Interest rate increase has caused you to go into mortgage default or foreclosure?
  • Have little or no equity in your home?

If any of the above is your current situation, then the FHASecure loan may allow you to refinance your home at competitive mortgage rates even if other mortgage lenders have said no. Below is the FHASecure loan qualification guidelines.

FHA Secure Refinance Program Guidelines

In order for homeowners to qualify for the FHA Secure home loan refinance, you must meet all of the following five FHA Secure refinance criteria:

  1. Your mortgage interest rate must have or will reset between June 2005 and December 2009.
  2. You must have three percent cash or three percent equity in the home.
  3. You must have a credit history of on-time home mortgage payments before your mortgage teaser rates expired and home loan reset;
  4. A sustained history of employment for last two years
  5. Sufficient income to make the new FHA Secure mortgage payment.
  6. New mortgage loan amount cannot exceed current FHA loan limits.

The new FHA Secure refinance program will require an escrow impound account for property taxes and insurance as well as FHA MIP - mortgage insurance premium to be included in new mortgage payment.

All FHA Secure home loans will not have any mortgage pre-payment penalties as is traditional with FHA loans.

If you meet the required guidelines you may request additional information regarding this FHA Secure loan program.

If you know of any family, friends, or co-workers that my be benefit from the FHA Secure mortgage program, let them know by fha home loans Email this page

FHASecure Refinance Program Information Request

Please complete the following FHASecure loan information request and we will contact you within 24hrs. on FHASecure refinance program availability. (excluding weekends). You will be automatically redirected to our home page. If  you want to get pre-approved online for the FHASecure refinance, please go here.

Property Address
City, State Zip
Phone  Day   Evening
Loan Amount Owed



View original press release from HUD regarding this program.

*FHA Loan Limits vary by area.

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We are not a government agency.  FHA home loans are not originated by the HUD or FHA. HUD only insures FHA loans and HECM reverse mortgages. FHA loans are originated and funded by HUD approved FHA home loan lenders. FHA-Home-Loans.com is not a mortgage lender and does not make or offer fha loans directly or indirectly.  Information about FHASecure refinance program to help borrowers who are facing foreclosure and must refinance.FHA-Home-Loans.com is owned and operated by a private company specialized in providing information about FHA loans and does not make or offer FHA home loans and FHA mortgages. FHA-Home-Loans.com is not affiliated with or owned, operated, endorsed or sponsored by HUD, Federal Housing Administration or FHA. Contact HUD directly at: www.hud.gov
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