FHA Loans
Your FHA Loan Is Stuck. What Is the Lender Actually Waiting On?
The lender says the FHA case is pending, but pending what? These common FHA case-status codes help explain where the…
Homeowner Learning Center
Independent, plain-English guidance on mortgage lending, underwriting, appraisals, and the home-financing process.
Appraisals
Your FHA Case Number Was Canceled. Is the Deal Really Dead?
Canceled does not always mean gone forever. FHA Connection allows authorized personnel to reinstate certain cases when the transaction needs…
Market Update
Home Prices, Rates and Buyers Are Pulling in Different Directions…What Gives?
Mortgage rates are moving in the wrong direction for homebuyers again. Freddie Mac reported that the average 30-year fixed mortgage…
Appraisals
Two FHA Case Numbers on One House? Here’s Why That Can Happen
Finding more than one FHA case connected to an address does not always mean something is wrong, but it can…
Government Loans
USDA, FHA, or Conventional? The “Best” Loan Depends on What You’re Working With
USDA can be an outstanding zero-down option, but the household and property must qualify. FHA and conventional loans can work…
Government Loans
Your USDA Loan Was Going Fine… So Why Is It Suddenly Delayed?
Most USDA problems are not caused by one mysterious agency decision. They usually trace to an eligibility fact, inaccurate application…
Government Loans
Already Have a USDA Loan? You May Have More Refinance Options Than You Think
USDA refinancing is generally designed for borrowers with an existing eligible USDA loan. The available path depends on payment history,…
Government Loans
Found the Perfect Country Home? USDA May Care About the Well, Septic, and Road
Rural properties often rely on private systems and roads. USDA financing can accept them when service, safety, legal access, and…
Government Loans
Want to Build a New House With USDA? You May Not Need Two Loans
USDA can support eligible new construction, including a single-close construction-to-permanent option through participating lenders, but the process is more specialized…
Government Loans
Can the Seller, Your Parents, or a Grant Help Pay for Your USDA Loan?
USDA’s zero-down structure can be combined with eligible credits and assistance, but every dollar must have an allowed purpose and…