2021 FHA Loan Requirements & Guidelines


FHA forbearance explained

Did you know: Homeowners with FHA loans can qualify for mortgage forbearance that allows them to temporarily "pause" or reduce their monthly payments (due to financial hardship). This is part of a broader COVID-related foreclosure avoidance program.

Read: Mortgage Forbearance Overview


FHA forbearance explained

In some ways, the FHA home buying is process is the same as it is for borrowers using conventional or "regular" mortgages. In other ways, it's different. This in-depth tutorial walks you though the buying process in step-by-step fashion.

Read: FHA Home Buying Process Explained


Credit score effects

Did you know your credit score can affect the interest rate you receive from a mortgage lender? This is true for FHA, VA and conventional home loans alike. This article explains why lenders care so much about these three-digit numbers.

Read: How your credit score affects you


FHA Loan Requirements, Guidelines, Policies and More

Welcome to FHAhandbook.com. This website is a central repository for FHA loan guidelines and requirements for 2021 and beyond. It is updated on a weekly basis to bring you the most current information available on this popular loan program.

This website explains the minimum FHA loan requirements for 2021. We offer the most current information available, and that's important because the Department of Housing and Urban Development (HUD) changes this program on a regular basis. In fact, there have been more changes to the FHA requirements and guidelines in the last two years than in the previous ten years combined.

The bottom line is that the 2021 FHA loan program will be markedly different from what it was five or ten years ago. Borrowers need to know how it's different, and what it takes to qualify under current conditions. That is the purpose of our website.

You can find the official guidelines for this program on the HUD.gov website. But they are scattered across many pages and handbooks. As a result, it can be hard to find the information you need. We created this website to address both of these issue. The information on this website is current, regularly updated, and easy to access.

Note: We are not affiliated with the Federal Housing Administration, the Department of Housing and Urban Development, or any other government agency. We are not mortgage lenders. The educational materials found on this website are not meant to replace the official FHA guidelines established by HUD. They are meant to complement those guidelines in a consumer-friendly way. To learn more about who we are, and what we're trying to accomplish, please visit the about page.