NEW FHA Loan Requirements 2025 - First Time Home Buyer - FHA Loan 2025

Are you a first time home buyer interested in buying with a minimal down payment using FHA? This guide will breakdown the 2025 FHA Loan Requirements to give you everything you need to know about qualifying with an FHA loan .

Start Here 👇

Watch This Next 👇

0:00 - Who can use an FHA Loan?
0:33 - Busting Myths Around FHA Loans
1:40 - Discussing Overlays On FHA
2:30 - Credit Score & Down Payment Requirements For FHA
3:26 - Closing Costs Requirements for FHA Loans
4:19 - Mortgage Insurance Requirements for FHA
6:26 - Calculating The UFMIP for FHA
7:45 - How Do You Get RID of FHA Mortgage Insurance?
8:22 - Why Pre-Approval Is So Important
9:20 - FHA Debt To Income Ratio Requirements ( Calculating FHA DTI)
12:24 - Types of Properties You Can Finance Using FHA
13:29 - FHA Self Sufficiency Test
14:33 - Why Some Condos Can't Be Financed With FHA
15:43 - FHA Loan Limits (How Do They Work)
16:40 - FHA Income and Employment Guidelines
18:10 - When Should You Start The Pre-Approval Process?
18:34 - What Documenation Is Required For An FHA Loan?

NEW 2024 FHA LOAN LIMITS -

Low Cost Areas:
One-unit: $524,225
Two-unit: $671,200
Three-unit: $811,275
Four-unit: $1,008,300

High Cost Areas:
One-unit: $1,209,750
Two-unit: $1,548,975
Three-unit: $1,872,225
Four-unit: $2,326,875

Jeb Smith
DRE 01407449
Real Broker

#HousingMarket2025 #RealEstate #FHA

[holyycraftz]

I don't typically leave comments, but I am now because I want you to know that this video was EXTREMELY helpful for me!! You gave information that I have been searching for and could not find for daysss and it was short, sweet and to the point. I am trying to do the calculations for making sure I'll qualify in assuming my current loan solely and taking off the EX. Knowing about the front end AND back end ratios while doing the debt to income is just what I needed to fully understand where I an at regarding finances and qualifying. THANK YOU!

[kofialleghana]

Jeb. You are a great realtor; more importantly a good human being. I can see the passion in your eyes. You truly want people to do what they have to do as long as home ownership is concerned. Thank you

[VictorOyoluRealtor]

These loan videos are awesome man!! God bless you. These are really helping me. Keep creating this kind of content my brother! 😊

[kellycregeen]

When i was 29 yrs old single bought first home FHA..It worked out and refinanced later

[missbttrsctch]

I like that you explained the front end and the back end of the DTI, most don't cover that - 👍🏾 GREAT information!

[PaulLee]

Few things to clarify:

1.) You can use an FHA multiple times, but the max number of FHA loans you can have outstanding are 2.
2.) FHA interest rates are lower than conventional, but when you include the mandatory FHA MIP for the life of the loan its typically a wash (if not worse) from a monthly payment perspective

[justjsse]

I make 47k a year gross and have like zero debt. No car payment. No outstanding credit cards. No kids. I cant even afford rent for me and my dog.

[CinfamousM]

Great Video have been subscribed for the last 3 years, 2025 may be the year 🤞

[aspiretoinspirebyangelica]

Thanks for the video! I was lost and now I’m found 🎉

[champagnecali]

Great video great information even great comments that do agree with the video it’s all very informative. It’s all about choices and decisions decisions and choices and it’s great to know the options!

[deathadderwotb]

Awesome info and you broke it down in a simple yet quick way. I feel alot more informed setting out on my home journey

[stevem]

Learner something had to give you the thumbs 👍

[GilmoreLTE-vk]

Very informative !!

Really makes me appreciate the Va home loan a little more. Thank you sir !

[Lola-szzu]

We asked our lender if we can pay our mortgage insurance and she said no! We had $40k to pay it and she still did our loan with Upfront Mortgage insurance

[CrystalSwartz]

So helpful! Thank you for doing what you do!!

[dixielandproductionco.]

Thanks for the valuable information Jeb good stuff smashed the thumbs up 👍

[ginahughes]

The home has to pass a stringent inspection. The home has to be in pristine condition

[carloswarriorofthemosthigh]

Thanks for this video great information. Im from Los Angeles and im in the process as we speak.

[MarkVerrante]

Our family has not heard from FHA. We really like to find a new home soon. Is the Connecticut Probate Court of Shelton or Stratford delaying the payment?

[LifeWithKarisha]

Hi Jeb!! Another excellent video. We are hoping to make that move in 2025 🤞 🙏