New FHA Loan Requirements 2025 (Complete Guide)

The Complete Guide to FHA Loans: Everything You Need to Know as a First-Time (or Repeat) Home Buyer 🏡

Are you dreaming of homeownership but unsure where to start? In this video, I'm breaking down everything you need to know about FHA loans-a popular option for first-time homebuyers and anyone looking for flexible mortgage solutions. Whether it's your first home or you've done this before, this guide is packed with tips, insights, and strategies to help you make informed decisions.

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🔥 Here's what you'll learn in this video:
✔️ What is an FHA loan?
✔️ Why FHA loans are ideal for low-to-moderate credit scores.
✔️ Myths about FHA loans-are they only for first-time homebuyers?
✔️ How FHA loans can be used to buy, build, or renovate a home.
✔️ Down payment requirements and acceptable sources for funds.
✔️ FHA loan credit score requirements (including how to qualify with a 580+ score).
✔️ Mortgage insurance explained-what it is, how it works, and why it matters.
✔️ Key FHA property and appraisal requirements you need to know.
✔️ How to use an FHA loan to purchase multi-unit properties and create rental income.
✔️ Smart strategies to make FHA loans work for your long-term financial goals.

💡 Why FHA loans?
Designed to boost homeownership, FHA loans offer a lifeline for buyers who may not meet conventional loan requirements. With lower credit score thresholds, flexible debt-to-income ratios, and accessible down payment options, this loan is a game-changer for many. Learn how to use FHA loans to your advantage-even if you plan to refinance later!

📌 New FHA Loan Limits for 2025:

Low Cost Areas:
One-unit: $528,850
Two-unit: $677,150
Three-unit:$818,475
Four-unit: $1,017,225

High Cost Areas:
One-unit: $1,220,450
Two-unit: $1,562,425
Three-unit: $1,888,600
Four-unit: $2,347,075

FHA Approved Condo List - https://entp.hud.gov/idapp/html/condlook.cfm
FHA County Loan Limits - https://entp.hud.gov/idapp/html/hicostlook.cfm

💬 Who is this video for?
• First-time homebuyers looking for an affordable way into the market.
• Buyers with lower credit scores or financial hurdles.
• Anyone interested in multi-unit properties or fixer-uppers.
• Homebuyers confused by the mortgage process and looking for clear, practical advice.

• FHA Loans for First-Time Buyers
• FHA Loan Requirements
• How to Qualify for an FHA Loan
• FHA Loan Down Payment Options
• FHA vs Conventional Loans
• FHA Credit Score Requirements
• Home Buying Tips for First-Time Buyers
• FHA Multi-Unit Properties
• FHA Mortgage Insurance Explained
• FHA Appraisal Requirements

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