How Do You Remove a Borrower From a Mortgage?
Taking a name off the deed does not take anyone off the loan. Here is how to remove a borrower from a mortgage with a refinance, an FHA…
Category
FHA Loans
FHA loans let buyers put as little as 3.5% down, and they accept lower credit scores than most conventional loans. These guides cover FHA requirements, mortgage insurance, loan limits and refinancing. Start with our FHA loan guidelines.
FHA vs Conventional Loan: Which Is Better for You?
A buyer with a 730 credit score qualifies for both FHA and Conventional 97. Here is how the payments, mortgage insurance and closing-cost rules compare, with the math.
What If a Home Fails FHA Minimum Property Standards?
An FHA loan can still work on an as-is home that fails FHA minimum property standards, but someone has to fix the safety items first. Here is what…
FHA Loan Limits for 2026 by County and Number of Units
In 2026, FHA will insure a one-unit home loan of up to $541,287 in most counties and up to $1,249,125 in the most expensive areas. Here is how…
FHA MIP Chart: Upfront and Annual MIP Rates
FHA charges 1.75% upfront and, on most 30-year loans, 0.50% to 0.55% a year. This FHA MIP chart shows every rate, how long it lasts and how to…
FHA Loan Pros and Cons: Should You Get an FHA Loan?
An FHA loan accepts lower credit scores and 3.5% down, but its mortgage insurance usually lasts the life of the loan. Here is how the tradeoff works and…
Lender-Paid Mortgage Insurance (LPMI): How It Works
Lender-paid mortgage insurance (LPMI) removes the monthly PMI charge in exchange for a higher rate that lasts for the life of the loan. Here's how it compares with…
FHA Streamline Refinance Closing Costs: How to Pay Less Out of Pocket
An FHA Streamline Refinance replaces a current FHA loan with a new FHA loan, which may lower your interest rate or monthly payment, with less paperwork than a…
Get an FHA Streamline Even if You Have a Second Mortgage
A few years after buying a home with an FHA mortgage, some buyers find they have built equity in it. So they take out a home equity loan…
FHA MIP Refund Chart & Guide | 2026 Mortgage Insurance Premiums
Home buyers pay an upfront mortgage insurance premium when they close on an FHA loan. The FHA MIP refund chart shows how much of that fee they may…