FHA guidelines require that borrowers and/or their spouse qualify according to set debt to income ratios. Other factors will be considered.

Application for an FHA mortgage is open to anyone able to meet the cash requirements, mortgage payments, and credit requirements.

FHAMortgage.com is a private mortgage company specializing in fha home loans and is not associated with the federal government or HUD / FHA.

FHA Loans for Homebuyers
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FHA Fixed Rate
FHA Adjustable Rate
FHA Growing Equity
FHA Energy Efficient
FHA Graduated
FHA Condominium

FHA Refinancing
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FHA Streamline Loan
Consumer Guide

Need to Know
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FHA Lending Limits
Mortgage Insurance
Closing Costs
FHA Loan Checklist
Credit Issues
Debt-to-Income

FHA Programs for Homebuyers
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Nehemiah Program
AmeriDream
CDS
HART
Partners in Charity

FHA Debt-to-Income Ratios

The FHA doesn't want anyone to commit to a loan he or she can't manage. According to FHA guidelines, borrowers and / or their spouse must qualify according to set debt ratios which determine whether the borrower can reasonably meet the expenses involved with home ownership.

Now is the time for an
FHA HOME LOAN

PROPERTY LOCATION

LOAN PURPOSE

PROPERTY TYPE

CREDIT STATUS

To help define your loan limits, FHA has determined that typically, your FHA mortgage and other housing costs should not exceed 29 percent of your gross monthly income. To determine this percentage, take into consideration the cost of your FHA mortgage along with other housing costs like property taxes and insurance.

FHA guidelines require that borrowers and/or their spouse qualify according to set debt to income ratios. These ratios effectively calculate the financial position that would allow you to meet the financial demands of owning a particular home. These indicators do not exclusively determine whether or not a candidate will qualify for an FHA loan. Other factors will be considered, including credit history and job stability.

to Buying a Home with an FHA Loan

> FHA Step 1
How much can you afford?

> FHA Step 2
FHA says, "Know your rights."

> FHA Step 3
Shop for an FHA loan.

> FHA Step 4
Shop for a place to call home.

> FHA Step 5
Make an offer for the home.

> FHA Step 6
Get a home inspection.

> FHA Step 7
Your homeowners insurance.

> FHA Step 8
Sign on the dotted line and move in.

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Receive cash back and save money when you buy or sell your home.
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Get a VA loan to buy a home, to build a home, to refinance your mortgage, or to simultaneously purchase and improve a home.

VA Mortgage News
Browse through articles about VA home loan programs, VA benefits, home buying and selling, VA mortgage shopping and insurance.

Pioneer Military Loans
Serving the military community with personal loans from $500 to $10k.
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