FHA loan requirements - Yes! No! Maybe! Wait! Of Course! Never!
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"Kate, My lender says FHA changed from 96.5% to 85% loan-to-value. If so, that's barely more helpful than a conventional mortgage. Is it true?"
Perhaps you're wondering this too. Please pay attention to what I am going to say. There is more than one type of FHA home loan. In addition, not all lenders are created equal.
You may not know how to ask the right questions. Well, it's not your fault. FHA loan requirements, and there's plenty of them, weren't taught in school. But I can help with this. Here's how.
For example, let's say you want to know how much the FHA loan refinance allows you to borrow. When you asked about the FHA loan refinance, did you mean...
Get the point?
What about asking for the maximum FHA cash out refinance?
Wait! Did you specify whether the house is your personal residence, investment rental, or is this a streamline refinance? Catching on? Keep reading.
Depending on your qualifications and what you want to accomplish, the FHA home loan may or may not help you more than a conventional mortgage. But how do you know? Remember, I said I can help with that!
Check this out...
There's another reason for getting a one-size-fits-all answer. Not all lenders are created equal. Depending on who you're talking to, you might be hearing many variations on FHA loan requirements. What's the solution? Qualify your lender!
If you are chuckling over "qualify your lender" read what my friend Robin had to say about comparing mortgage lenders.
Want a quick jump start? Easy Path To Low Mortgage Payments spells out important questions to simplify the process of qualifying your lender.
Lastly organize your search with my free Six Simple Steps For Finding Best Mortgage Lenders.
Are you curious about being eligible for a refund from FHA? Discover the inside story on FHA Refunds here.
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