Dalton FHA Loan Rates, Closing Costs & Stats

DALTON, GA

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Dalton's 85 lenders originated 592 FHA loans during 2024. The total origination value was $142,970,000, with an average FHA loan value of $241,503.

    Dalton FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Dalton averaged 0.18% for the week of 2026-09-11, compared to the national average (all FHA variants) of 0% for the same period.

    Dalton's average FHA mortgage closing costs are $7,785.

    The average rate for the prior week (2026-09-04) was 6.83% and one month ago for the week of 2026-08-07, the average rate was 6.53%.

    The average rate one year ago was 6.4%.

    For refis of the same type during the week of 2026-09-11, the average rate was -0.04%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Dalton FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Dalton level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    FirstBank 49 6.37% $10,029
    QUICKEN LOANS, LLC 46 6.29% $11,386
    GUILD MORTGAGE COMPANY 31 6.27% $9,484
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 31 7.00% $11,448
    BANKSOUTH MORTGAGE COMPANY, LLC 27 6.20% $12,268
    MOVEMENT MORTGAGE, LLC 27 6.71% $10,673
    PRIMELENDING, A PLAINSCAPITAL COMPANY 27 6.41% $11,128
    CMG MORTGAGE, INC. 26 6.57% $8,755
    SUMMIT FUNDING, INC. 25 6.71% $12,218
    STOCKTON MORTGAGE CORPORATION 21 6.38% $11,123
    UNITED WHOLESALE MORTGAGE, LLC 17 6.14% $12,415
    BROKER SOLUTIONS, INC. 12 6.88% $10,908
    LOANDEPOT.COM, LLC 10 6.18% $12,534
    FREEDOM MORTGAGE CORPORATION 9 6.11% $14,549
    LEADERONE FINANCIAL CORPORATION 8 6.69% $11,199
    Equity Prime Mortgage LLC 8 7.03% $9,256
    FIRST COMMUNITY MORTGAGE, INC. 8 6.23% $8,705
    PENNYMAC LOAN SERVICES, LLC 7 6.05% $9,821
    ISERVE RESIDENTIAL LENDING, LLC 6 6.42% $18,181
    SWBC MORTGAGE CORPORATION 6 6.44% $6,661
    TOWNE MORTGAGE COMPANY 5 6.33% $9,765
    ALAMEDA MORTGAGE CORPORATION 5 6.80% $8,759
    Ameris Bank 5 6.43% $12,338
    DAS Acquisition Company, LLC 5 7.48% $10,503
    NEWREZ LLC 5 6.75% $8,527
    UNION HOME MORTGAGE CORP. 4 6.56% $11,460
    Synovus Bank 4 6.00% $9,426
    GUARANTEED RATE, INC. 4 6.46% $10,408
    Flagstar Bank, FSB 4 6.06% $11,540
    PANORAMA MORTGAGE GROUP, LLC 4 6.88% $13,586
    TJC Mortgage, Inc. 4 5.88% $13,081
    Mr. Cooper ( Nationstar Mortgage ) 4 6.81% $6,587
    AMERICAN PACIFIC MORTGAGE CORPORATION 4 6.66% $10,568
    HOMESIDE FINANCIAL, LLC 3 6.29% $14,755
    Truist 3 6.55% $8,554
    Carrington Mortgage Services, LLC 3 6.38% $11,016
    CARDINAL FINANCIAL 3 6.29% $11,593
    CANOPY MORTGAGE, LLC 3 5.96% $21,253
    VILLAGE CAPITAL MORTGAGE 3 6.29% $6,677
    AMERICAN FINANCIAL RESOURCES, INC. 3 7.04% $11,694
    Paramount Residential Mortgage Group, Inc. 3 6.71% $12,650
    Mortgage Research Center, LLC 3 6.46% $7,564
    Wells Fargo Bank 2 6.13% $15,146
    AMERISAVE MORTGAGE CORPORATION 2 6.50% $12,812
    Bank of America 2 6.00% $6,379
    CROSSCOUNTRY MORTGAGE, LLC 2 5.97% $10,782
    ENDEAVOR CAPITAL, LLC. 2 6.24% $10,590
    MILEND, INC. 2 6.25% $16,688
    NJ LENDERS CORP. 2 6.50% $10,210
    PHH Mortgage Corporation 2 6.81% $6,893
    PLANET HOME LENDING, LLC 2 6.31% $5,617
    SUCCESS MORTGAGE PARTNERS, INC. 2 6.63% $17,488
    The Federal Savings Bank 2 6.38% $13,637
    The Loan Store, Inc. 2 5.87% $15,145
    United Community Bank 1 6.63% $8,752
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.75% $6,524
    Goldwater Bank, N.A. 1 5.75% $16,312
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 7.50% $7,986
    AmeriHome Mortgage Company, LLC 1 6.63% $4,579
    VAN DYK MORTGAGE CORPORATION 1 6.38% $9,016
    Presidential Bank, FSB 1 6.13% $11,214
    First Option Mortgage, LLC 1 7.63% $13,674
    Prosperity Home Mortgage, LLC 1 6.75% $9,069
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.50% $19,711
    Regions Bank 1 5.63% $7,899
    Renasant Bank 1 6.25% $6,794
    SENTE MORTGAGE, INC. 1 6.63% $7,428
    South State Bank 1 6.00% $7,576
    Fifth Third Bank 1 6.75% $9,483
    VERITAS FUNDING, LLC 1 6.88% $15,663
    EVERETT FINANCIAL, INC. 1 6.63% $9,269
    CHURCHILL MORTGAGE CORPORATION 1 6.25% $14,689
    Century Mortgage Company DBA Century Lending Company 1 5.99% $16,282
    AMERICAN FINANCIAL NETWORK, INC. 1 7.75% $18,116
    ACOPIA, LLC 1 6.25% $10,573
    Bank OZK 1 5.99% $5,622
    BancorpSouth 1 6.38% $9,354
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.75% $10,824
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.25% $14,618
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.75% $10,273
    MORTGAGE INVESTORS GROUP, INC. 1 6.25% $9,223
    Loan Simple, Inc. 1 7.63% $15,085
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.63% $9,855
    INTERLINC MORTGAGE SERVICES, LLC 1 7.25% $10,139
    NFM, INC. 1 6.13% $8,926

    The top Dalton FHA lender as defined by loan originations is FirstBank, with 49 FHA loans originated. Their average total fees are $10,029, which is $1,357 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Dalton FHA lenders (with over 10 loans originated) are CMG MORTGAGE, INC. ($8,755), GUILD MORTGAGE COMPANY ($9,484), FirstBank ($10,029), MOVEMENT MORTGAGE, LLC ($10,673) and BROKER SOLUTIONS, INC. ($10,908).

    The lowest rate Dalton FHA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.14%), LOANDEPOT.COM, LLC (6.18%), BANKSOUTH MORTGAGE COMPANY, LLC (6.20%), GUILD MORTGAGE COMPANY (6.27%) and QUICKEN LOANS, LLC (6.29%).

    Dalton FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    DALTON, GA MURRAY 2022 $420,680 $538,650 $651,050 $809,150
    DALTON, GA WHITFIELD 2022 $420,680 $538,650 $651,050 $809,150
    DALTON, GA MURRAY 2023 $472,030 $604,400 $730,525 $907,900
    DALTON, GA WHITFIELD 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Dalton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $169,500 (2.4%) $250,905 (10.3%) 0.00 318
    2018-02-01 $169,900 (3.0%) $249,409 (13.2%) 0.00 327
    2018-03-01 $169,900 (3.0%) $250,115 (17.2%) 0.00 321
    2018-04-01 $175,250 (4.0%) $259,321 (18.3%) 0.00 327
    2018-05-01 $179,900 (5.9%) $256,616 (10.5%) 0.00 305
    2018-06-01 $179,900 (4.4%) $243,175 (2.7%) 0.00 314
    2018-07-01 $172,450 (-6.8%) $241,186 (-3.9%) 0.00 322
    2018-08-01 $170,900 (-1.2%) $241,679 (-1.0%) 0.00 318
    2018-09-01 $174,950 (3.0%) $245,357 (3.5%) 0.00 337
    2018-10-01 $179,400 (8.8%) $240,070 (3.7%) 0.00 328
    2018-11-01 $179,675 (6.6%) $242,370 (3.4%) 0.00 315
    2018-12-01 $174,900 (2.9%) $233,673 (-2.4%) 0.00 319
    2019-01-01 $176,000 (3.8%) $230,393 (-8.2%) 0.00 303
    2019-02-01 $177,000 (4.2%) $235,879 (-5.4%) 0.00 291
    2019-03-01 $182,171 (7.2%) $242,505 (-3.0%) 0.00 280
    2019-04-01 $185,871 (6.1%) $243,252 (-6.2%) 0.00 266
    2019-05-01 $188,400 (4.7%) $239,600 (-6.6%) 0.00 271
    2019-06-01 $189,900 (5.6%) $247,092 (1.6%) 0.00 297
    2019-07-01 $189,450 (9.9%) $243,905 (1.1%) 0.00 298
    2019-08-01 $189,973 (11.2%) $250,112 (3.5%) 0.00 312
    2019-09-01 $189,932 (8.6%) $247,303 (0.8%) 0.00 329
    2019-10-01 $189,875 (5.8%) $245,028 (2.1%) 0.00 337
    2019-11-01 $184,400 (2.6%) $241,137 (-0.5%) 0.00 332
    2019-12-01 $184,400 (5.4%) $237,791 (1.8%) 0.00 314
    2020-01-01 $179,900 (2.2%) $234,315 (1.7%) 0.00 289
    2020-02-01 $192,450 (8.7%) $243,199 (3.1%) 0.00 291
    2020-03-01 $199,900 (9.7%) $245,061 (1.1%) 0.00 274
    2020-04-01 $203,400 (9.4%) $249,220 (2.5%) 0.00 258
    2020-05-01 $219,900 (16.7%) $263,623 (10.0%) 0.00 227
    2020-06-01 $228,450 (20.3%) $275,631 (11.6%) 0.00 199
    2020-07-01 $235,558 (24.3%) $279,505 (14.6%) 0.00 170
    2020-08-01 $230,000 (21.1%) $292,117 (16.8%) 0.00 162
    2020-09-01 $249,450 (31.3%) $291,845 (18.0%) 0.00 166
    2020-10-01 $239,900 (26.4%) $285,918 (16.7%) 0.00 176
    2020-11-01 $246,988 (33.9%) $278,171 (15.4%) 0.00 191
    2020-12-01 $249,925 (35.5%) $291,971 (22.8%) 0.00 170
    2021-01-01 $249,900 (38.9%) $290,281 (23.9%) 0.00 154
    2021-02-01 $265,950 (38.2%) $307,920 (26.6%) 0.00 120
    2021-03-01 $239,900 (20.0%) $302,692 (23.5%) 0.00 93
    2021-04-01 $243,900 (19.9%) $319,553 (28.2%) 0.00 91
    2021-05-01 $249,900 (13.6%) $324,793 (23.2%) 0.00 96
    2021-06-01 $259,600 (13.6%) $354,912 (28.8%) 0.00 107
    2021-07-01 $249,900 (6.1%) $343,415 (22.9%) 0.00 140
    2021-08-01 $254,725 (10.8%) $341,424 (16.9%) 0.00 171
    2021-09-01 $237,950 (-4.6%) $341,163 (16.9%) 0.00 175
    2021-10-01 $250,000 (4.2%) $347,117 (21.4%) 0.00 179
    2021-11-01 $249,450 (1.0%) $354,964 (27.6%) 0.00 185
    2021-12-01 $248,000 (-0.8%) $358,796 (22.9%) 0.00 183
    2022-01-01 $239,900 (-4.0%) $365,754 (26.0%) 0.00 167
    2022-02-01 $249,950 (-6.0%) $380,305 (23.5%) 0.00 143
    2022-03-01 $268,700 (12.0%) $383,927 (26.8%) 0.00 130
    2022-04-01 $272,500 (11.7%) $400,407 (25.3%) 0.00 125
    2022-05-01 $266,225 (6.5%) $375,086 (15.5%) 0.00 204
    2022-06-01 $282,425 (8.8%) $360,173 (1.5%) 0.00 233
    2022-07-01 $279,900 (12.0%) $360,291 (4.9%) 0.00 272
    2022-08-01 $279,788 (9.8%) $362,219 (6.1%) 0.00 301
    2022-09-01 $279,950 (17.7%) $352,624 (3.4%) 0.00 309
    2022-10-01 $274,900 (10.0%) $337,738 (-2.7%) 0.00 301
    2022-11-01 $266,075 (6.7%) $334,559 (-5.8%) 0.00 288
    2022-12-01 $273,450 (10.3%) $350,302 (-2.4%) 0.00 249
    2023-01-01 $269,950 (12.5%) $345,771 (-5.5%) 0.00 199
    2023-02-01 $279,925 (12.0%) $364,843 (-4.1%) 0.00 188
    2023-03-01 $299,900 (11.6%) $368,771 (-4.0%) 0.00 157
    2023-04-01 $299,900 (10.1%) $363,475 (-9.2%) 0.00 143
    2023-05-01 $315,250 (18.4%) $389,203 (3.8%) 0.00 147
    2023-06-01 $312,500 (10.7%) $390,344 (8.4%) 0.00 177
    2023-07-01 $310,000 (10.8%) $381,316 (5.8%) 0.00 195
    2023-08-01 $312,183 (11.6%) $381,337 (5.3%) 0.00 220
    2023-09-01 $325,000 (16.1%) $438,373 (24.3%) 0.00 208
    2023-10-01 $326,200 (18.7%) $448,341 (32.8%) 0.00 233
    2023-11-01 $315,000 (18.4%) $448,003 (33.9%) 0.00 259
    2023-12-01 $325,000 (18.9%) $458,564 (30.9%) 0.00 256
    2024-01-01 $325,500 (20.6%) $463,990 (34.2%) 0.00 250
    2024-02-01 $334,625 (19.5%) $470,898 (29.1%) 0.00 242
    2024-03-01 $344,950 (15.0%) $467,047 (26.7%) 0.00 240
    2024-04-01 $329,925 (10.0%) $428,789 (18.0%) 0.00 250
    2024-05-01 $354,975 (12.6%) $481,013 (23.6%) 0.00 254
    2024-06-01 $350,000 (12.0%) $465,007 (19.1%) 0.00 271
    2024-07-01 $334,393 (7.9%) $448,672 (17.7%) 0.00 291
    2024-08-01 $329,900 (5.7%) $430,019 (12.8%) 0.00 295
    2024-09-01 $313,713 (-3.5%) $424,833 (-3.1%) 0.00 288
    2024-10-01 $300,000 (-8.0%) $404,618 (-9.8%) 0.00 319
    2024-11-01 $305,000 (-3.2%) $417,597 (-6.8%) 0.00 345
    2024-12-01 $303,475 (-6.6%) $388,854 (-15.2%) 0.00 329
    2025-01-01 $312,400 (-4.0%) $455,988 (-1.7%) 0.00 303
    2025-02-01 $321,400 (-4.0%) $455,174 (-3.3%) 0.00 322
    2025-03-01 $324,900 (-5.8%) $460,518 (-1.4%) 0.00 327
    2025-04-01 $310,250 (-6.0%) $388,669 (-9.4%) 0.00 320
    2025-05-01 $299,900 (-15.5%) $379,721 (-21.1%) 0.00 324
    2025-06-01 $299,450 (-14.4%) $378,208 (-18.7%) 0.00 359
    2025-07-01 $302,766 (-9.5%) $389,557 (-13.2%) 0.00 389
    2025-08-01 $310,000 (-6.0%) $394,372 (-8.3%) 0.00 415
    2025-09-01 $312,475 (-0.4%) $399,470 (-6.0%) 0.00 416
    2025-10-01 $300,000 (0.0%) $389,287 (-3.8%) 0.00 437
    2025-11-01 $304,950 (0.0%) $380,691 (-8.8%) 0.00 430
    2025-12-01 $305,150 (0.6%) $390,561 (0.4%) 0.00 393
    2026-01-01 $300,000 (-4.0%) $392,731 (-13.9%) 0.00 378
    2026-02-01 $299,900 (-6.7%) $380,364 (-16.4%) 0.00 383
    2026-03-01 $298,825 (-8.0%) $384,442 (-16.5%) 0.00 382
    2026-04-01 $295,200 (-4.9%) $386,936 (-0.5%) 0.00 409
    2026-05-01 $299,000 (-0.3%) $383,748 (1.1%) 0.00 426
    2026-06-01 $299,750 (0.1%) $385,396 (1.9%) 0.00 437
    2026-07-01 $297,325 (-1.8%) $380,896 (-2.2%) 0.00 446
    2026-08-01 $292,500 (-5.7%) $373,338 (-5.3%) 0.00 466
    Dalton's median listing price for 2026-08-01 was $292,500, a difference of $-17,500 (-5.7%) versus the prior year and $-4,825 versus the prior month.

    Dalton's median listing price comes in at 0% of the national average.

    Dalton's average listing price for 2026-08-01 was $373,338, a difference of $-21,034 (-5.3%) versus the prior year and $-7,558 versus the prior month.

    For the 2026-08-01 period, Dalton had 466 MLS listings, a difference of 20 listings (4%) versus the prior month and 51 listings (12%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dalton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,029 sqft
    2018-02-01 0 days 2,007 sqft
    2018-03-01 0 days 2,055 sqft
    2018-04-01 0 days 2,108 sqft
    2018-05-01 0 days 2,112 sqft
    2018-06-01 0 days 2,127 sqft
    2018-07-01 0 days 2,073 sqft
    2018-08-01 0 days 1,937 sqft
    2018-09-01 0 days 1,932 sqft
    2018-10-01 0 days 2,014 sqft
    2018-11-01 0 days 1,998 sqft
    2018-12-01 0 days 1,916 sqft
    2019-01-01 0 days 1,950 sqft
    2019-02-01 0 days 1,946 sqft
    2019-03-01 0 days 2,024 sqft
    2019-04-01 0 days 2,051 sqft
    2019-05-01 0 days 2,055 sqft
    2019-06-01 0 days 2,003 sqft
    2019-07-01 0 days 1,916 sqft
    2019-08-01 0 days 1,924 sqft
    2019-09-01 0 days 1,924 sqft
    2019-10-01 0 days 1,919 sqft
    2019-11-01 0 days 1,930 sqft
    2019-12-01 0 days 1,938 sqft
    2020-01-01 0 days 1,887 sqft
    2020-02-01 0 days 1,863 sqft
    2020-03-01 0 days 1,872 sqft
    2020-04-01 0 days 1,880 sqft
    2020-05-01 0 days 2,070 sqft
    2020-06-01 0 days 2,211 sqft
    2020-07-01 0 days 2,304 sqft
    2020-08-01 0 days 2,323 sqft
    2020-09-01 0 days 2,388 sqft
    2020-10-01 0 days 2,261 sqft
    2020-11-01 0 days 2,209 sqft
    2020-12-01 0 days 2,152 sqft
    2021-01-01 0 days 2,054 sqft
    2021-02-01 0 days 2,144 sqft
    2021-03-01 0 days 1,874 sqft
    2021-04-01 0 days 1,940 sqft
    2021-05-01 0 days 1,887 sqft
    2021-06-01 0 days 1,901 sqft
    2021-07-01 0 days 1,950 sqft
    2021-08-01 0 days 1,873 sqft
    2021-09-01 0 days 1,792 sqft
    2021-10-01 0 days 1,802 sqft
    2021-11-01 0 days 1,797 sqft
    2021-12-01 0 days 1,744 sqft
    2022-01-01 0 days 1,712 sqft
    2022-02-01 0 days 1,765 sqft
    2022-03-01 0 days 1,823 sqft
    2022-04-01 0 days 1,810 sqft
    2022-05-01 0 days 1,564 sqft
    2022-06-01 0 days 1,588 sqft
    2022-07-01 0 days 1,754 sqft
    2022-08-01 0 days 1,701 sqft
    2022-09-01 0 days 1,680 sqft
    2022-10-01 0 days 1,680 sqft
    2022-11-01 0 days 1,653 sqft
    2022-12-01 0 days 1,713 sqft
    2023-01-01 0 days 1,692 sqft
    2023-02-01 0 days 1,688 sqft
    2023-03-01 0 days 1,815 sqft
    2023-04-01 0 days 1,870 sqft
    2023-05-01 0 days 1,889 sqft
    2023-06-01 0 days 1,875 sqft
    2023-07-01 0 days 1,935 sqft
    2023-08-01 0 days 1,913 sqft
    2023-09-01 0 days 1,912 sqft
    2023-10-01 0 days 1,891 sqft
    2023-11-01 0 days 1,888 sqft
    2023-12-01 0 days 1,853 sqft
    2024-01-01 0 days 1,830 sqft
    2024-02-01 0 days 1,807 sqft
    2024-03-01 0 days 1,807 sqft
    2024-04-01 0 days 1,792 sqft
    2024-05-01 0 days 1,938 sqft
    2024-06-01 0 days 1,850 sqft
    2024-07-01 0 days 1,822 sqft
    2024-08-01 0 days 1,800 sqft
    2024-09-01 0 days 1,786 sqft
    2024-10-01 0 days 1,777 sqft
    2024-11-01 0 days 1,760 sqft
    2024-12-01 0 days 1,780 sqft
    2025-01-01 0 days 1,749 sqft
    2025-02-01 0 days 1,746 sqft
    2025-03-01 0 days 1,758 sqft
    2025-04-01 0 days 1,771 sqft
    2025-05-01 0 days 1,685 sqft
    2025-06-01 0 days 1,688 sqft
    2025-07-01 0 days 1,751 sqft
    2025-08-01 0 days 1,742 sqft
    2025-09-01 0 days 1,801 sqft
    2025-10-01 0 days 1,713 sqft
    2025-11-01 0 days 1,703 sqft
    2025-12-01 0 days 1,751 sqft
    2026-01-01 0 days 1,713 sqft
    2026-02-01 0 days 1,683 sqft
    2026-03-01 0 days 1,699 sqft
    2026-04-01 0 days 1,704 sqft
    2026-05-01 0 days 1,757 sqft
    2026-06-01 0 days 1,744 sqft
    2026-07-01 0 days 1,719 sqft
    2026-08-01 0 days 1,731 sqft
    Dalton's median listing age (time on market) for 2026-08-01 was 0 days.

    Dalton's median square footage for active listings during the 2026-08-01 period was 1,731 sqft. One year prior, the average listing was 1,742 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).