Today's featured FHA question

"What are the requirements to get approved for an FHA home loan?"

Billy - Newark, New Jersey
Answer from ApprovedFHA.com

"The FHA loan requirements can vary depending on the lender...Normally, a credit score of 620 or better is required and..."

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$8,000 first time home buyer tax credit

The $8,000 first time home buyer tax credit and $6,500 Credit for Repeat home buyers has expired. For fully executed (signed by buyer and seller) home purchase contracts that were signed by April 30th 2010, qualified purchasers have until June 30th 2010 to complete the said home purchase and obtain their tax incentive.

Below is a recent posting of the detail regarding the home buyer tax credits you may use as a reference.

The FED will still maintain low interest rates which means that you can still qualify for a low fixed rate with an FHA mortgage.

Previous Home Buyer Tax Credit Information

First-time home buyers can get a tax credit of up to $8,000 from the Government that does not require repayment so long as the home remains owned and occupied for a minimum of 3 years from the purchase date.

The tax credit applies to homes bought for $800,000 or less and will equal 10 percent of the homes purchase price up to a max of $8,000.

The income limits for the first time home buyer tax credit are $125,000 for a single tax payer and $225,000 for married couples.

$6,500 Repeat Home Buyer Tax Credit Information.

The Federal Government is now offering a $6,500 tax credit in hopes of stimulating economic growth in America. The credit can be obtained upon your next home purchase so long as you buy the property before April 30th 2010 and have owned and lived in your previous house for five years out of the last eight.

FHA Loan Update

August 2nd, 2011

FHA Loan Requirements

What will you need? Click the link below to read about FHA Loan Requirements, credit and income requirements, FHA lender guidelines and the documents that may be required by your FHA lender....

Read more on FHA loan requirements

FHA Loans and You

April 11th, 2011

Using a Mortgage Broker?

As of April 1st, 2011, mortgage originators will no longer be allowed to collect Yield Spread Premium (YSP) - a fee charged by mortgage brokers that is normally paid for by the lender upon closing a purchase or refinance transaction. This can mean higher up front fees for [you] the consumer....

Read more on how this may affect you

FHA Loans and You

FHA Mortgage Insurance Increase

On February 14, the FHA announced a new premium for FHA single-family mortgages, increasing the annual mortgage insurance premium (MIP) by a quarter of a percentage point (.25) on all 30-year and 15-year loans.

How will this affect you? [click]

For Home Buyers

Everything you need for Buying a Home FHA

FHA loans allow you to buy a home at very affordable terms. With FHA's low down payment requirements, light qualification guidelines and competitive fixed rates, millions of American's have turned to an FHA loan for their home purchase...


More about FHA loans for buying a home

FHA Refinance

Refinancing With a FHA Loan

If you are thinking about a refinance, an FHA refinance might be the solution. FHA loans offer rates just as low as conventional loans and in many cases are easier to qualify for...


Read more on FHA refinance requirements