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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 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 Compensating Factors What qualifies, what to document, and when it matters. Last Updated: May 14, 2026 11 min read Your FHA loan may need more than a credit score and an income to get approved. If your debt-to-income ratio is high, lenders can use compensating factors to support the loan. FHA compensating factors are

2026 FHA Loan Limits in Colorado Find your Colorado county 2026 FHA loan limits Last Updated: May 14, 2026 10 min read FHA loan limits in Colorado vary by county, and the range is wide. In 2026, Colorado FHA limits run from $541,287 in most counties to $1,249,125 in Eagle, Garfield, and Pitkin. The floor

FHA Condo Approval Your FHA Condo Options Go Beyond the HUD Approved List Last Updated: May 14, 2026 11 min read You found a condo you love. Your budget works. Then your lender says it’s not on the FHA approved list. This guide is for buyers using FHA financing to purchase a condo in Colorado

Multi-Family Home FHA Loan How to buy a duplex or fourplex with 3.5% down Last Updated: May 14, 2026 11 min read An FHA loan can buy a duplex, triplex, or fourplex. Not just a single-family home. The tenants in your other units can help cover your mortgage from day one. This guide is for

Refinancing FHA to Conventional The numbers that tell you if refinancing is worth it Last Updated: May 14, 2026 12 min read Refinancing from FHA to conventional is one of the most common moves homeowners make once they’ve built equity. The reason is simple: FHA mortgage insurance may follow you for the life of the

FHA Commercial Loans The HUD programs for apartments and healthcare, and what they don’t cover Last Updated: May 20, 2026 12 min read FHA commercial loans fund apartment buildings and licensed healthcare facilities, not retail spaces or office buildings. The name suggests broader coverage than these programs actually provide. If you’re an investor or developer

FHA vs VA Loans What each loan costs and who should use which Last Updated: May 14, 2026 11 min read Two government-backed loan programs. Very different rules. FHA is open to nearly any buyer who meets the credit and income requirements. VA is reserved for veterans, active-duty service members, and some surviving spouses. If

FHA Appraisal Requirements The FHA minimum property standards every home must meet Last Updated: May 14, 2026 9 min read When you use an FHA loan to buy a home, the property has to pass a special review. That review checks two things: what the home is worth and whether it is safe to live