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Federal Housing Administration

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



Press Release


Extended Single Family Appraisal Validity Periods

We have extend our Single Family initial appraisal validity period from 120 days to 180 days and the appraisal update validity period from 240 days to one year for most Title II forward and Home Equity Conversion Mortgage (HECM) originations.



July 12, 2022  


Press Release


Expanded FHA Mortgage Eligibility for Borrowers Previously Affected by COVID-19

New flexibilities make it easier for lenders to qualify salaried and hourly wage-earning borrowers, as well as those who are self-employed, and who experienced previous employment gaps or loss of income due to the COVID-19 pandemic.

July 7, 2022  





Press Release


Section 232 Residential Care Facility "Green" Mortgage Insurance Premium Reductions

Our upcoming "Green Mortgage Insurance Premium" reductions for Section 232 Residential Care Facility mortgages supports HUD's Climate Action Plan and will be available for Section 232 mortgages where the facilities meet industry-recognized green building certifications and acheive meaningful, measurable energy and water efficiency improvements.




May 18, 2022




Press Release


Claims Without Conveyance of Title Exclusive Sales Period for Owner-Occupant, Non-profit, and Government bidders

FHA's newest step to expand affordable housing supply adds an initial 30-day exclusive sales period for owner occupants, HUD-approved non-profits, and governmental entities to bid on single properties coming through our Claims Without Conveyance of Title process.

May 5, 2022




Press Release

FHA-insured Refinance Transaction Supports Continued Access to Quality Heathcare for South Carolinians

FHA's Office of Hospital Facilities recently completed a $79.7 million refinance transaction under its 223(f) program for the Medical University of South Carolina Health, supporting continued access to quality healthcare for South Carolinians in Providence and Camden, SC.



April 28, 2022







Business Resources

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.

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Consumer Resources

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.



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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.