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credit reports

March 27, 2025

Why You Should Monitor Your Credit As A First-Time Home Buyer

Are you a first-time home buyer interested in buying or building a home? New borrowers should monitor their credit for signs of identity theft, erroneous information, and outdated credit data; doing so improves your chances at home loan approval by ruling out issues that may be related to credit report problems that are not your fault. In 2025, monitoring these issues is more critical than ever. Some future homeowners already pay strict attention to their | more...

FHA Requirements

Loan Limits

Closing Costs

Mortgage Insurance

FHA Refinance

FHA Options

August 13, 2024

FHA Refinance Options: No Cash Out

FHA “no cash-out” refinance options can help first-time home buyers and experienced homeowners alike. If you need to explore your options to lower interest rates, | more...

FHA Loan Types

FHA mortgage

March 5, 2025

FHA ARM Loans

There are many types of different FHA loan products. You can apply for new purchase home loans, refinance loans, and even Home Equity Conversion Mortgage | more...

FHA Home Loans

January 29, 2025

Can An FHA Loan Be An ARM?

There are many choices to make when you want to buy a home. One of those choices is deciding whether a fixed-rate or adjustable-rate mortgage | more...

FHA mortgages

November 18, 2024

Buy A Condo Unit With An FHA Mortgage

The Federal Housing Administration (FHA) offers many loan programs to make homeownership accessible and affordable for a broader range of borrowers. While the FHA 203(b) | more...

Video

If you’re looking at your home loan options, now is the time to brush up on some mortgage terminology. Our friends at FHA.com have made it easy with their Homebuyer Terminology animations.

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Learn How to Meet FHA RequirementsLearn About the Mortgage Insurance Premium (MIP)Help Is Available With Down Payment GrantsMonthly Payments Establish Good CreditAnalyzing Your Debt RatioCredit History is Presented as Your FICO ScoreThere's Value in Building a Solid Credit HistoryUnderstanding APR (Annual Percentage Rate)FHA Limits are Calculated and Updated AnnuallyHome Affordability is Based on Your Annual IncomeReliable Borrowers Can Qualify for a Cash-Out RefinanceShow Them You're Serious By Depositing Earnest MoneyA Few Words About BankruptcyHere's the Scoop on Conventional LoansStay Informed About Your Closing CostsInsuring Mortgages With the FHA Funding FeeGetting Started With Your FHA Loan ApplicationUnderstanding the Purpose of Your Mortgage Down PaymentWhen Do You Need a Cosigner?Consider the Advantages of Discount PointsThe Appraisal Fee When You Buy a HomeLearn About FHA Loan PrepaymentsYou're Almost There When You Get Your Loan ApprovalDon't Forget Your Closing ChecklistA Few Tips About Your Fixed Rate MortgagePutting Money Into Your Escrow AccountHome Equity Can Secure Your Second MortgageDisclosures Give Transparency to BorrowersPre-approval Starts the Mortgage ProcessYour Proof of Ownership is the Property TitleThere's a Difference Between APR and Interest RateThe ARM (Adjustable Rate Mortgage)Don't Skip the Home InspectionKeep Your Eyes on Your Loan BalanceFHA Programs for First-Time HomebuyersHUD 4000.1 is Sometimes Called the FHA HandbookBigger is Better With a Jumbo LoanChoose Your Mortgage Lender CarefullyKnow What's On Your Credit ReportYour Second Mortgage Is a Home Equity LoanUnderstanding Your Loan TermLet's Talk About Home EquityConsider the Benefits and Risks of a Joint LoanInformation About the Balloon PaymentYour Home Loan is Called a MortgageYour Mortgage Payment Schedule Is Called AmortizationBorrowers Should Know About the Origination FeeGet Your Questions Ready for Your Loan OfficerUnderstand the Reasons for Private Mortgage InsuranceHomebuyers Benefit From the Work Done by Fannie MaeHomebuyers Benefit From the Work Done by Freddie MacKnow What You Can Borrow With PrequalificationThe Last Part of the Transaction Is the Mortgage ClosingTaking Out a Home Loan Makes You a BorrowerEveryone Needs to Pay Their Property TaxesBuying a Home With a Co-BorrowerCarefully Read Your Closing DisclosureFHA Loans Have Eligibility RequirementsFinanced Properties Must Meet FHA Minimum Standards

Special FHA Programs

October 29, 2024

Can Veterans Buy Land with a VA Loan?

First of all, the Department of Veterans Affairs does not allow VA lenders to offer standalone land loans utilizing a Veteran’s home loan eligibility.  However, | more...