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In the real world, very few individuals order appraisal reports to establish an offering price or to substantiate a purchase price.

The loan-to-value (LTV) ratio is probably the most important of the three underwriting ratios

Many local and state agencies run bond programs to generate funds to help individuals and families with a down payment.

If you have ever paid off a home loan backed by FHA, you may have money owed to you.

FHA allows 100% of the down payment to be a gift from friends, family or other sources.

In refinancing, a mortgage company usually offers a range of interest rates at different amounts of points. A point equals one percent of the loan amount.