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Where Do You Get An FHA Loan?

Where Do You Get An FHA Loan?

When you’re ready to apply, where do you get an FHA loan? There are plenty of misconceptions about the FHA home loan process, which usually get cleared up fairly quickly once you begin working with a participating FHA lender. But in the planning and saving stages of the loan, it’s good to know the facts […]

FHA Jumbo Loans

FHA Jumbo Loans

FHA Jumbo Loans, also known as non-conforming loans, are mortgages that exceed the county limit for mortgage loans in that area. FHA home loans in excess of these limits (also known as FHA loan limits) are possible, but there are some important factors you should know about before applying. FHA Jumbo Loans Are Like “Standard” […]

FHA Streamline Refinance Loan Requirements

FHA Streamline Refinance Loan Requirements

FHA Streamline Refinance Loan requirements include having a tangible benefit to the borrower in the form of a lower interest rate, a lower monthly payment, shorter mortgage term, and/or refinancing into a fixed rate loan from an FHA adjustable rate mortgage. But there are other requirements for streamline refi loans above and beyond the “tangible […]

FHA Streamline Benefits

FHA Streamline Benefits

FHA Streamline Refinance rules state that in order for the loan to be approved, the lender must determine that the refinance loan has some type of actual benefit to the borrower. What are the benefits of FHA Streamline refi loans and which one is right for you? FHA Refinance Basics FHA refinancing is usually for […]

What Is The Average Credit Score Needed To Buy A House?

What Is The Average Credit Score Needed To Buy A House?

If you are a first-time home buyer, you’re likely asking a very common (and very important) question. What is the average credit score needed to buy a house? To get the answer, we decided to see what one of the three major credit reporting agencies, Experian, has to say on this subject. On the official […]

Can You Refinance An FHA Loan To Get Rid Of PMI?

Can You Refinance An FHA Loan To Get Rid Of PMI?

We’ve been discussing home loans, mortgage insurance, and the differences between FHA home loans and conventional mortgages. One common question that comes up when comparing FHA loans to non-FHA options? “Can you refinance an FHA loan to get rid of PMI?” The proper answer to this question is that FHA loans do not require PMI, […]

Do I Need FHA Mortgage Insurance?

Do I Need FHA Mortgage Insurance?

In a recent blog post we discussed the differences between FHA mortgage loans and conventional home loans. One of the most important differences between FHA mortgages and conventional loans is the mortgage insurance requirement. Conventional loans may, depending on the size of your down payment and other factors, require the borrower to put as much […]

FHA Loans Versus Conventional Loans: What You Should Know

FHA Loans Versus Conventional Loans: What You Should Know

What are the major differences between FHA loans and conventional loans? Do you know why people choose FHA over conventional mortgages? There are many reasons, depending on the borrower, but let’s examine how FHA loans differ to see what advantages you may find with a participating FHA lender. FHA Loans Versus Conventional Loans: Interest Rates […]

Closing Costs And Earnest Money For FHA Loans

Closing Costs And Earnest Money For FHA Loans

In a recent post we discussed FHA loan down payments and how the lender is required to verify that down payment money is coming from acceptable sources. Did you know the lender is also required to verify the sources of earnest money and funds to pay closing costs? It’s true-FHA home loan rules include requirements […]