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FHA Single Family Home Loan Program
FHA finances more Single family real estate homes than most of the other types of properties combined.  The basic single family FHA loan is called a FHA 203(B) mortgage loan.

FHA home loans has the following type of guidelines for single family homes:

  • FHA is for owner occupied homes only meaning you intend on living in the property.
  • Allowable Property Types are as follows:
    • Single Family Real Estate Homes (SFR)
    • Condo's - (approved condominium complexes less than 4 stories)*
    • PUD's - (Public Urban Developments)
  • There is no maximum sales price but there is a maximum loan amount for this type of property.
  • Any homebuyer may use the FHA loan (a common misconception is that FHA is for first time buyers only) as long as they do not currently have another FHA insured loan in their name, and if they do, it must be at a LTV of more than 75% of the current value of the home.
  • You may own other rental property that is not financed by FHA   and still use a FHA loan to purchase a primary residence.
  • *Condos and Townhomes must be in HUD approved projects.

FHA will finance up to 97% of the value or purchase price of any of this types of property for a mortgage refinace or when using the FHA loan program to buy a home. The actual maximum loan amount will depend what state and county the property is located.

FHA will do a purchase loan and also a mortgage refinance loan for these types of properties.

Now that you know about the basic FHA loan program that you may be using, learn more about ra.gif (855 bytes)FHA Loan Qualifying

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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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