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Who Can Obtain a FHA Loan?
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FHA loan program purpose is to increase homeownership in the United States. Therefore they have made qualifying for a FHA loan easier than most other loan programs:

  • You can use a FHA loan to purchase or refinance as often as desired or needed.
  • You do not have to be a first time home buyer... this is a common misconception.

FHA loan program guidelines are as follows:

  • you cannot have more than one FHA insured loan at a time, unless the following:
  • the loan to value of your existing FHA loan is less than 75% of the value of your home, than you can obtain another FHA to purchase another owner occupied home.

These flexible guidelines help to insure that FHA is helping as many people as possible become home owners or help those currently owning homes refinance their mortgages.

Now that you understand "What a FHA loan is",  and "Who can obtain a FHA a loan", start by ra.gif (855 bytes)  researching the available FHA Loan programs.

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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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