{"id":16040,"date":"2021-09-13T22:53:27","date_gmt":"2021-09-13T22:53:27","guid":{"rendered":"https:\/\/pinkelephantmortgage.com\/?page_id=16040"},"modified":"2022-06-28T17:40:34","modified_gmt":"2022-06-28T21:40:34","slug":"fha-mortgage","status":"publish","type":"page","link":"https:\/\/pinkelephantmortgage.com\/es\/fha-mortgage\/","title":{"rendered":"FHA Mortgage"},"content":{"rendered":"
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What is a FHA Mortgage?<\/h2>\n

FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA) – which is part of HUD – insures the loan, so your lender can offer you a better deal. The FHA does not lend the money to build homes; instead, it guarantees that approved lenders are reimbursed for losses suffered if there is a foreclosure or short sale in which the property sells for less than the mortgage balance. <\/p>\n

What can i buy with FHA?<\/h2>\n

FHA loans are for primary residences only and require a minimum 3.5% down payment.<\/p>\n

How much can a borrow?<\/h2>\n

FHA loans have maximum loan amounts depending on the borrower\u2019s county, and the maximum is based on the loan amount. <\/p>\n

A list of other county and state loan limit can be found here<\/a><\/span><\/span><\/strong><\/p>\n\n\n\n\n\n
Florida – FHA Mortgage Limits – 2022<\/td>\n<\/tr>\n
One-Family<\/td>\nTwo-Family<\/td>\nThree-Family<\/td>\nFour-Family<\/td>\n<\/tr>\n
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$460,000<\/p>\n<\/td>\n

$588,850<\/td>\n$711,800<\/td>\n$884,600<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
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     An investment in knowledge pays the best interest<\/h4>\n<\/div>\n<\/div>\n
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Mortgage Insurance Premium (MIP)<\/h2>\n
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  • This fee is paid on all FHA loans with terms greater than 15 years, regardless of the amount of down payment.<\/li>\n
  • Borrowers may finance the up-front MIP cost as part of the loan amount and pay the MIP premiums along with the monthly PITI payment.<\/li>\n
  • The MIP continues for the life of the loan.<\/li>\n<\/ul>\n

    Other inportant Information. <\/h2>\n
      \n
    • The entire down payment can be a gift.<\/li>\n
    • The maximum FHA seller concession is 6% which cannot be used to pay the down payment.<\/li>\n
    • The maximum term for an FHA loan is 30 years.<\/li>\n
    • Borrowers must have a Social Security Number<\/li>\n
    • The late fee is 4% of the monthly P&I.<\/li>\n<\/ul>\n

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The FHA does not lend the money to build homes; instead, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"bgseo_title":"","bgseo_description":"","bgseo_robots_index":"index","bgseo_robots_follow":"follow","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-16040","page","type-page","status-publish"],"yoast_head":"\nFHA Mortgage | Pink Elephant Mortgage<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pinkelephantmortgage.com\/es\/fha-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FHA Mortgage - Pink Elephant Mortgage\" \/>\n<meta property=\"og:description\" content=\"What is a FHA Mortgage? 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