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FHA Loan Requirements

HUD Bolsters FHA Requirements
FHA Loan Requirements
FHA Lenders offer secure loan programs

After FHA defaults rose rapidly last year, HUD mandated tougher FHA loan requirements in an effort to reduce FHA lenders that put the government home financing program at risk. FHA guidelines were tightened a few years ago and unfortunately this made it more difficult for borrowers to qualify. The new FHA qualifications demand more income and two appraisals are usually required for home refinancing. Find out if you are eligible for a FHA home loan with bad credit.

FHA Mortgage Loans Helped Spur First Time Home Buying

FHA lender participation demands significantly higher cash reserves for mortgage companies that want to originate FHA home loans. FHA approved companies must monitor their loan origination more closely to avoid HUD penalties.

HUD believes that by increasing FHA loan requirements that less FHA lenders will make bad loans because now they have more to lose personally. In the past FHA mortgage insurance had protected FHA lenders from loan defaults and foreclosures.


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FHA mortgage rates displayed are subject to change available loan information can provided by the mortgage lenders directly after application is submitted for further underwriting review. The FHA Mortgage Refinance Loan Company is not directly affiliated with any government agency. We provide an online marketplace for consumers searching for FHA loans and HUD resources. We are affiliated with HUD approved FHA mortgage lenders. If you would like to contact HUD directly please visit their website online.