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Eter Zorn Vice President, Housing Analysis and Research Freddie Mac March 13, 2009 ****Draft Only. Do not Cite or Reproduce**** All views and opinions are those of the authors and do not reflect the view or opinions of Charles River Associates or its Board of Directors, of Freddie Mac or its Board of Directors, or of the Federal Housing Finance Agency. 1 Abstract The Federal Housing Administration ( FHA ) offers mortgages insured by the federal government for a segment of the resident.
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MSAs FAQ
Some home sellers see an FHA loan as a “riskier” loan compared to a conventional loan because of the FHA loan's stricter appraisal requirements. Also, the loan's lenient financial requirements for borrowers may leave the seller with a negative perception.
If the borrower defaults on the mortgage, FHA is to repay the lender the remaining amount owed. FHA insurance can increase the willingness of private lenders to offer mortgages to some borrowers who might otherwise have difficulty obtaining affordable mortgages, such as borrowers with low down payments.
Yes, you can refinance out of an FHA loan as long as you qualify for a conventional loan with a credit score of 620 or higher and have 5% – 25% equity in your home. If you have 20% equity, you may also be able to remove your mortgage insurance and lower your monthly payment in the process.
FHA loans require borrowers to pay mortgage insurance premiums (MIPs) at closing and throughout the life of the loan. Specifically, you'll pay 1.75% of the loan amount at closing as your upfront MIP. Then, you'll pay MIPs of 0.15% to 0.75% of the loan amount every year.
There are no time limits on how soon you can refinance from FHA to conventional. As long as you qualify and there's a financial benefit, you don't have to wait to make the change.
Some reasons a seller might refuse an FHA loan include misconceptions about longer closing times, stricter property requirements, or the belief that FHA borrowers are riskier.
FHA loans allow lower credit scores and require less elapsed time for major credit problems. Conventional loans, however, may require less paperwork and offer better options to avoid costly mortgage insurance premiums.
You still need decent credit for an FHA loan. While we didn't have ultrahigh credit scores, getting an FHA loan wasn't a free-for-all: Buyers must have a 580 credit score to take advantage of the 3.5% down payment option. Lenders also have a stake, and will often demand a credit score of 600 or higher to qualify.
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