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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

 

Addition of Positive Rental History in TOTAL Mortgage Scorecard

Our addition of a positive rental history indicator in the TOTAL Mortgage Scorecard supports greater opportunity for first-time homebuyers to qualify for affordable FHA-insured mortgage financing.





September 27, 2022  

 

Press Release

 

Increased Frequency of Allowable Surplus Cash Distributions to Multifamily Borrowers

Our new requirements allow more frequent distributions of surplus cash to multifamily borrowers, freeing up more capital for future multifamily development.






September 7, 2022  

 

 

 

 

Press Release

 

Updated Guidance for Servicers of Home Equity Conversion Mortgages

We have modified our requirements for servicers of Home Equity Conversion Mortgages related to providing notice to a borrower's estate and others following a HECM becoming due and payable due to the death of the last surviving borrower.

 




August 31, 2022

 

 

 

Press Release

 

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

The Section 232 "Green MIP" reduction, effective for firm commintments issued beginning October 1, 2022, is for mortgages on properties that meet industry-recognized green building certifications and that will achieve meaningful and measureable energy and water efficiency improvements.


 

August 18, 2022

 

 

 

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

 

 

 

 

 


 

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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Phone: (800) 225-5342

TTY: (800) 877-8339

 

 

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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.