FHA main page banner

     

    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

     

    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

     

    Mortgagee Letter

     

    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

     

     

     

    Defect Taxonomy

     

    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

     

     

    Press Release

     

    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

     

     

    Policy

     

    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

     

     

     

     

     


     

    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.
     

    Stay up to date on the latest FHA and Office of Housing program information by subscribing to our email updates.

     

     

     

     

     

     

     

     


     

    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.

     

     

    Connect with FHA

    Email, LinkedIn, Twitter icons


    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.