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FHA Condo Loan Information

You can get an FHA home loan if you are buying or refinancing a condominium. The qualifying process for an FHA condo mortgage is very similar to that of a single family home.

The 1st thing you must do to see if you can get a FHA mortgage on a Condo is check to see if the condo project or building itself is approved by the Federal Housing Administration. The FHA may not approve a mortgage loan for a condo if there are more non-owner occupied units than there are owner occupied units with in the building. Your FHA lender will not approve your mortgage loan unless the condo project is approved by the FHA. To see if the condominium is approved, your lender will want to do a S.P.O.T. approval but you can check to see if it is approved by using the "Condo Lookup" feature on the HUD web site; just click the link below:

Click here to check if a condo project is FHA approved

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FHA Qualifying

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