The complete FHA loan guide for Colorado homebuyers. FHA is one of the most common paths into homeownership for first-time buyers, borrowers with lower credit scores, or families combining a low down payment with CHFA assistance.
Every article below answers a real question from Colorado buyers using FHA financing:
If a bank has told you that you do not qualify, or you are trying to combine FHA with CHFA down payment assistance, start here. All updated for 2026. For a walk-through of the FHA loan program itself, see the FHA loans overview.
FHA Loan Investment Property How house hacking with FHA turns your home into a cash-flowing asset Last Updated: May 13, 2026 11 min read FHA does not finance pure investment properties. That rule is firm. But it does finance duplexes, triplexes, and fourplexes. You must live in one of them. This article is for buyers […]
FHA Loans For Investment Properties (House Hacking) Read More »
Short answer: Yes. FHA allows a non-occupant co-borrower, most commonly a parent, to combine incomes and improve your DTI. The co-borrower must be a family member and takes on full legal liability for the loan. The down payment stays at 3.5% as long as it is not an identity-of-interest deal. FHA Non-Occupant Co-Borrowers When family
FHA Non-Occupant Co-Borrowers Read More »
FHA Flip Rules The 90-day rule, second appraisals, and your options as a buyer Last Updated: May 13, 2026 9 min read The FHA flip rules restrict how quickly a property can be resold using FHA financing. If the seller hasn’t owned the home long enough, FHA financing is simply off the table. The core
FHA 203(b) Loan What it costs, who qualifies, and how limits work. Last Updated: May 13, 2026 11 min read The FHA 203(b) is the standard FHA mortgage most buyers are actually asking about. It’s the program behind 3.5% down payments and flexible credit qualifying. Buying in Colorado with limited savings or bruised credit? This
Can You Have Multiple FHA Loans? The exceptions, the DTI math, and when to refinance first. Last Updated: May 13, 2026 11 min read FHA loans can be used more than once in your lifetime. But holding two active FHA loans at the same time is only allowed under specific exceptions. This article is for
Can You Have Multiple FHA Loans? Read More »
Short answer: An identity of interest exists when the buyer and seller share a family, business, or personal relationship. FHA raises the minimum down payment from 3.5% to 15% on these deals. Exceptions restore the standard 3.5% when a family member sells their primary residence to another family member. FHA Identity of Interest Why buying
FHA Loans Identity of Interest Read More »
Buying a Foreclosed Home with an FHA Loan What Colorado Buyers Need to Know Before Making an Offer Last Updated: May 13, 2026 12 min read FHA loans can be used to buy foreclosures, but most buyers don’t know that. The property condition rules are where most deals fall apart. This guide is for buyers
Purchase A Foreclosure Property With An FHA Loan Read More »
FHA Gift Funds Who can give, what lenders need, and where closings go sideways Last Updated: May 13, 2026 11 min read FHA gift funds let a family member or other eligible donor cover your down payment. Cash gifts, incomplete letters, and ineligible donors are the three places these deals fall apart. This article is
FHA MIP Refund Chart Your UFMIP Credit by Month and What It Actually Saves You Last Updated: May 13, 2026 10 min read When you close on an FHA loan, you pay an upfront mortgage insurance premium at closing. If you refinance into another FHA loan within three years, part of that premium comes back
FHA MIP Refund Charts Read More »
FHA Loan Pros and Cons What FHA mortgage insurance costs and who this loan fits best Last Updated: May 13, 2026 10 min read FHA loans come up in nearly every first-time buyer conversation we have. They offer lower credit requirements, a small down payment, and a real path to ownership. The main advantage is
FHA Loan Pros and Cons Read More »