As-is FHA loan VA loan 
Housing Wire
JUNE 16, 2025
Redfin also reported that a slightly higher share of homebuyers are using Federal Housing Administration (FHA) and U.S. Department of Veterans Affairs (VA) loans, another contributor to lower down payment amounts. Roughly one in seven (15.3%) mortgaged sales used an FHA loan in April 2025, up from 14.2%
Housing Wire
FEBRUARY 3, 2025
The company’s newest National Housing Market Outlook shows that buyers are gravitating toward government-backed loans in their search for affordability. As a result, more buyers are turning to products like Federal Housing Administration (FHA) loans, which accounted for 24% of primary home purchases in 2024, and U.S.
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Housing Wire
FEBRUARY 6, 2025
Specifically, conventional loans are performing much better than Federal Housing Administration and U.S. Department of Veterans Affairs loans. The seriously delinquent rate (loans that are at least 90 days overdue, plus those in foreclosure) for FHA loans is 4.12%, roughly three times higher than the 1.14% rate for conventional loans.
Housing Wire
JANUARY 2, 2025
Applications for refinances drove the decrease in the overall index as they fell 36%, while applications for purchase loans were down 13%. Rate increases were seen across the board for nearly every loan type, according to the MBA. Rates for 30-year jumbo loans jumped 14 bps to 7.13%. Mortgage demand declined 21.9%
Housing Wire
MAY 28, 2025
FHA loan rates averaged 6.68%. The 5/1 option provides a fixed interest rate for the first five years, after which the rate adjusts annually based on market conditions. ARMs typically gain market share when rates are elevated, as borrowers can access lower initial rates compared to traditional fixed-rate mortgages.
Housing Wire
MARCH 5, 2025
According to the MBA, rates for Federal Housing Administration (FHA) loans dipped to 6.42%, while refinance activity posted its fastest pace since October 2024. The move in government refinances was driven by a 75% increase in VA loans, which have been prone to large changes in recent months.
Housing Wire
JULY 11, 2025
But not all loans are built the same in these scenarios. Government-backed loans like those from the Federal Housing Administration (FHA) and the U.S. Government-backed loans like those from the Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA) come with tighter margins.
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