At the Federal Housing Administration (FHA), we provide mortgage insurance on loans made by FHA-approved lenders. In fact, we're one of the largest mortgage insurers in the world. Since 1934, we've helped millions of families become homeowners. Today, we insure mortgages for single family, multifamily, and residential care facilities nationwide.
Latest News
New Flexibility for Borrowers Renting Space In Their Homes
Newly revised Single Family underwriting guidance will allow rental income from individuals renting space inside a borrower’s home to be included as part of FHA qualification.
January 13, 2025
Increased Financing Flexibility for Affordable Multifamily Development
Changes to FHA Multifamily Debt Service Coverage Ratios, Loan-to-Value Ratios, and the creation of new underwriting thresholds for the development of middle income rental housing allow FHA affordable housing transactions to be more competitive.
January 8, 2025
Updated Defect Taxonomy for the Servicing Loan Review Process
The Servicing Defect Taxonomy provides greater transparency regarding FHA’s Single Family loan servicing review process and a framework for consistent FHA policy enforcement while allowing some flexibility for nuanced loan-level scenarios.
January 7, 2025
New 2025 Operating Cost Adjustment Factors for Multifamily Properties
The operating cost adjustment factors were increased to help multifamily housing providers with rising operating expenses and escalating insurance costs, while ensuring that tenants have stable and affordable rents.
December 19, 2024
New 2025 Operating Cost Adjustment Factors for Multifamily Properties
Our proposed Optional Reimbursement of Claim Alternative is intended to support lender liquidity by allowing servicers to receive reimbursement of tax and insurance advances for Title II forward mortgages earlier in the process.
December 19, 2024
From housing to healthcare facilities, our business resources can help FHA insurance program participants stay informed. Review our guides, policy updates, and other tools to get the information you need and better serve your customers. Access special COVID-19 guidance for all FHA and Office of Housing Program Participants.
Stay up to date on the latest FHA and Office of Housing program information by subscribing to our email updates.
Our consumer resources support homeowners, homebuyers, and renters. Use these tools to get answers to your questions, understand your options, and make better housing decisions.
Connect with FHA
Phone: (800) 225-5342
TTY: (800) 877-8339
FAQ | Reading Room | Careers | FHA.gov
FHA Supports Fair Housing and Equal Opportunity
HUD is committed to enforcing the Fair Housing Act and to ensuring that people are not discriminated against when they seek housing or housing-related services. If you need assistance in determining your rights under the Fair Housing Act or applicable laws, or believe you have been a victim of housing discrimination and need assistance, we encourage you to review the information on HUD's Office of Fair Housing and Equal Opportunity webpage.
- Log in to post comments