FHA Mortgage Requirements - FHA Home Loans - FHA Loans
FHA MORTGAGE Requirements
Flexible Requirements and Low Rates!

The Federal Housing Administration provides structured, yet flexible, refinancing
options for homeowners. Though the requirements are more lenient than most
traditional banking and financing institutions, FHA does require that clients
meet certain requirements in order to qualify for a FHA refinance option.

Cash out refinancing is available up to 85% LTV
and up to 97.75% for a rate/term refinance.  
Typically, a minimum FICO score of 620 is required,
though there are additional factors that apply.   
FHA tends to look at the whole credit profile and the borrower’s ability to repay
the loan.  FHA is also more forgiving of credit problems in the borrower’s past.






What can an FHA Mortgage Refinancing Mortgage Do For You?
The FHA Refinancing Loan helps home owners with or without a FHA home loan
who may use the FHA Refinancing Loan to help reduce their payments
with lower interest rates.  
No Initial Credit Check and No Obligation--Free Quote
We're a trusted mortgage resource as specialists
in home mortgages for two decades!

We win customer trust by always
"going the extra mile" to earn your business.  
Invest 90 seconds in our short loan request form.
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Where Great Rates, Great Programs and Customer Service Meet
Did You Know...?
FHA Streamline Refinance
Want to refinance your FHA
mortgage?
If you presently have an FHA
mortgage, you can easily qualify
for a Streamline FHA Refinance
Mortgage. Easier guidelines--no
appraisal, low documentation for
rate and term...
   Read more

Do You Know if You
Qualify?
VA IRRRL Streamline Refinance
The Interest Rate Reduction Loan
for no or low doc refinance
Drastically reduce your monthly
payment! ...
 Read More

Manufactured and
Mobile Home Loans
Direct resource of loan products
for manufactured homes and
mobile home financing
 Read more
FHA loan requirements and
guidelines are simple and easy to
understand. Prepare for your
FHA home loan with some
important steps to make sure
you can afford the mortgage.
FHA INSURANCE
FHA insured loans require mortgage
insurance to protect lenders against
losses that result from defaults on
home mortgages.

FHA LOAN LIMITS
FHA lending limits vary based on a variety
of housing types and the state and county
in which the property is located.

LOAN CHECKLIST  Learn More
Before you start the loan process,
you'll want to be prepared for the loan
application. Have your information
organized and ready for your loan officer.
Be prepared to pay for a property
appraisal and a credit report.

CLOSING COSTS
While FHA defines which closing costs
are allowable as charges to the borrower,
the specific costs and amounts that are
deemed reasonable and customary are
determined by each local FHA office.

FHA DEBT RATIOS
In order to prevent homebuyers from
getting into a home they cannot afford, FHA
guidelines have been set in place requiring
borrowers and/or their spouse to qualify
according to set debt to income ratios.

FHA CREDIT ISSUES Learn More
An FHA loan applicant's past credit
performance that demonstrates good
credit history and a solid track record of
timely payments will likely be eligible
for the mortgage.
FHA loan program -- FHA Loans and FHA Jumbo loans
FHA HOME LOANS - FHA Loan Information - FHA Loans
FHA loan requirements and guidelines are simple and easy to understand. Prepare for your
FHA home loan with some important steps to make sure you can afford the mortgage.
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FHA Mobile Home Mortgage Refinance - Loans - FHA Refinance

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