{"id":10289,"date":"2008-09-23T14:39:05","date_gmt":"2008-09-23T18:39:05","guid":{"rendered":"https:\/\/www.ewmrealestate.com\/blog\/?p=10289"},"modified":"2019-04-23T20:57:08","modified_gmt":"2019-04-23T20:57:08","slug":"not-your-fathers-fha","status":"publish","type":"post","link":"https:\/\/ewmrealestate.com\/blog\/not-your-fathers-fha\/","title":{"rendered":"Not your father&#039;s FHA"},"content":{"rendered":"<p>In a market where housing prices are becoming more affordable, guidelines for other mortgage products have become tighter, and where sellers are cooperating more than ever, FHA insured mortgages have emerged as a great choice for buyers looking for financing.<\/p>\n<p>Among\u00a0its benefits, FHA allows for a maximum of six percent of seller contribution towards closing costs and prepaids. \u00a0This means that buyers are able to negotiate deals where the seller pays the initial twelve month prepaid homeowner&#8217;s insurance premium, for example. \u00a0At this moment, a buyer must contribute a minimum three percent of the sales price as down payment under FHA guidelines. However, that three percent may come from a grant, a community soft second mortgage, a down payment organization or a gift from a family member. \u00a0That sounds an awful lot like 100 percent\u00a0financing!<\/p>\n<p>Here are some highlights:<\/p>\n<p>The FHA loan limit has been raised to $423,750 in Miami Dade and Broward counties and as high as $729,750 in areas of Key West and Marathon, FL.<\/p>\n<p>There have been some changes to FHA funding fees and mortgage insurance structure.\u00a0 It used to be that all\u00a0FHA borrowers paid an upfront fee of 1.5 percent plus annual mortgage insurance payments.\u00a0 With the new structure, FHA loans have become less expensive for borrowers with good credit than for those with low credit.\u00a0 For more information on the new risk based pricing adjustment\u00a0click here: <a href=\"https:\/\/www.ewmrealestate.com\/blog\/2008\/07\/21\/mandatory-fha-loan-fees-drop-for-some-increase-for-others\/\">https:\/\/www.ewmrealestate.com\/blog\/2008\/07\/21\/mandatory-fha-loan-fees-drop-for-some-increase-for-others\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In a market where housing prices are becoming more affordable, guidelines for other mortgage products have become tighter, and where sellers are cooperating more than ever, FHA insured mortgages have emerged as a great choice for buyers looking for financing. Among\u00a0its benefits, FHA allows for a maximum of six percent of seller contribution towards closing<\/p>\n<p class=\"more-link\"><a href=\"https:\/\/ewmrealestate.com\/blog\/not-your-fathers-fha\/\" class=\"themebutton2\">Read More<\/a><\/p>\n","protected":false},"author":5395,"featured_media":130092,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_expiration-date-status":"","_expiration-date":0,"_expiration-date-type":"","_expiration-date-categories":[],"_expiration-date-options":[]},"categories":[11767],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Not your father&#039;s FHA - BHHS EWM Realty<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ewmrealestate.com\/blog\/not-your-fathers-fha\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Not your father&#039;s FHA - BHHS EWM Realty\" \/>\n<meta property=\"og:description\" content=\"In a market where housing prices are becoming more affordable, guidelines for other mortgage products have become tighter, and where sellers are cooperating more than ever, FHA insured mortgages have emerged as a great choice for buyers looking for financing. Among\u00a0its benefits, FHA allows for a maximum of six percent of seller contribution towards closingRead More\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ewmrealestate.com\/blog\/not-your-fathers-fha\/\" \/>\n<meta property=\"og:site_name\" content=\"BHHS EWM Realty\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/EWMRealtyInternational\" \/>\n<meta property=\"article:published_time\" content=\"2008-09-23T18:39:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-04-23T20:57:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ewmrealestate.com\/blog\/wp-content\/uploads\/2019\/06\/BHHS-On-Solid-Background.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"376\" \/>\n\t<meta property=\"og:image:height\" content=\"376\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"EWM Marketing\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"EWM Marketing\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/not-your-fathers-fha\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/not-your-fathers-fha\/\"},\"author\":{\"name\":\"EWM Marketing\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#\/schema\/person\/3a9b03cccfbcd6dc5e4bcdcc0b2c8511\"},\"headline\":\"Not your father&#039;s FHA\",\"datePublished\":\"2008-09-23T18:39:05+00:00\",\"dateModified\":\"2019-04-23T20:57:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/not-your-fathers-fha\/\"},\"wordCount\":242,\"publisher\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#organization\"},\"articleSection\":[\"EWM News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/not-your-fathers-fha\/\",\"url\":\"https:\/\/ewmrealestate.com\/blog\/not-your-fathers-fha\/\",\"name\":\"Not your father&#039;s FHA - 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