FHA Loans Resource Center
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28/36 Rule: Why Lenders Approve DTI Well Above It
The 28/36 rule says your housing costs should stay under 28% of gross monthly income and your total debt under 36% — but with the 30-year fixed weekly average at 6.55%, FHA and VA loans routinely approve borrowers well past those limits. You'll...
FHA Loan Requirements: Essential Guide for Homebuyers 2026
As of July 16, 2026, the 30-year fixed mortgage rate averages 6.55 percent, up from the previous week, directly impacting FHA loan requirements and affordability for homebuyers nationwide. HUD's recent FHA program updates aim to improve access, but...
FHA Loan Application: Process and Prerequisites
How to Request FHA Loans An FHA mortgage is a terrific method to purchase a home without a large down payment or impeccable credit. FHA mortgages, backed by the federal government, are accessible from any private lender. So it is simple to apply...
List of All New FHA Loan Restrictions for 2022
FHA Loan Limitations Increase by $65,000 in 2022 In 2022, FHA loan limitations will increase. The new basic limit, applicable to most single-family houses, will be $420,680. This is a roughly $65,000 increase from the previous year’s FHA loan...
FHA Loan Deep Dive: Requirements, Rates, and Benefits
Why Obtain an FHA Loan? For decades, FHA loans have made homeownership more accessible. FHA makes it possible to purchase a home with a credit score as low as 580 and as little as a 3.5% down payment. However, homebuyers are not the only...
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Mortgage Rates Today: Daily 30-Year Rate 6.64% Aug 16 2026
30-Year Fixed 6.64% 15-Year Fixed 5.91% 5/1 ARM APR 6.26% Source: Bankrate (780 FICO, single-family, primary residence) The 30-year fixed held steady at 6.64% today, unchanged from yesterday. The 15-year fixed sits at 5.91% and the 5/1 ARM at...
They Call Your Employer Again the Day Before Closing
A promotion arrives three weeks before closing. More money, better title, same industry — unambiguously good news, and the kind of thing that can still stop a mortgage two days before you sign, because lenders verify your employment again right at...
Mortgage Rates Today: Daily 30-Year Rate 6.64% Aug 15 2026
30-Year Fixed 6.64% 15-Year Fixed 5.91% 5/1 ARM APR 6.26% Source: Bankrate (780 FICO, single-family, primary residence) Mortgage rates today edged down to 6.64% on the 30-year fixed, a one-basis-point dip from 6.65% yesterday. The 15-year fixed...
The House Was Approved. The Insurer Said No
Your loan is approved, your rate is locked, your closing is Friday. Then the insurer declines the property over the age of the roof, and the transaction stops — because no lender in the country will fund a mortgage on an uninsured house. You'll...
Mortgage Rates Today: Daily 30-Year Rate 6.65% Aug 14 2026
30-Year Fixed 6.65% 15-Year Fixed 5.99% 5/1 ARM APR 6.23% Source: Bankrate (780 FICO, single-family, primary residence) Mortgage rates today eased to 6.65% on the 30-year fixed, down from 6.70% yesterday. The 15-year fixed sits at 5.99% and the 5/1...
One Dollar Over This Line Changes Your Whole Loan
A $832,750 loan and a $832,751 loan are one dollar apart and underwritten by different rulebooks. The first is bought by Fannie Mae or Freddie Mac. The second is a jumbo — a loan the lender either keeps or sells privately, with the pricing,...
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