{"id":1227,"date":"2023-02-22T15:11:31","date_gmt":"2023-02-22T23:11:31","guid":{"rendered":"https:\/\/governmentloanpros.com\/california\/?p=1227"},"modified":"2023-02-22T15:11:31","modified_gmt":"2023-02-22T23:11:31","slug":"fha-reduces-california-fha-mortgage-insurance","status":"publish","type":"post","link":"https:\/\/governmentloanpros.com\/california\/fha-reduces-california-fha-mortgage-insurance\/","title":{"rendered":"FHA reduces Mortgage Insurance for California home buyers"},"content":{"rendered":"<p><strong>FHA reduces California FHA Mortgage Insurance<\/strong><\/p>\n<p>Today the Federal Housing Administration (FHA) announced they are reducing California FHA Mortgage Insurance Premiums by 30 bps beginning March 20, 2023. All FHA Loans endorsed on that date or after will qualify for the reduced premiums.\u00a0 Endorsed means the process where FHA guarantees the loan for the Lender, not the date you begin or close your FHA Loan.<\/p>\n<p><strong>Here are the new California FHA Mortgage Insurance Premiums for 2023:<\/strong><\/p>\n\n<table id=\"tablepress-1\" class=\"tablepress tablepress-id-1\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Base Loan Amount<\/th><th class=\"column-2\">LTV (Loan to Value)<\/th><th class=\"column-3\">MIP (BPS)<\/th><th class=\"column-4\">Duration<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Less than $726,200<\/td><td class=\"column-2\">\u2264 90.00% <\/td><td class=\"column-3\">50<br \/>\n<\/td><td class=\"column-4\">11 years<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Less than $726,200<\/td><td class=\"column-2\">> 90.00% but \u2264 95%<\/td><td class=\"column-3\">50<\/td><td class=\"column-4\">mortgage term<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Less than $726,200<\/td><td class=\"column-2\">> 95.00%<br \/>\n<\/td><td class=\"column-3\">55<\/td><td class=\"column-4\">mortgage term<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Greater than $726,200<\/td><td class=\"column-2\">\u2264 90.00%<\/td><td class=\"column-3\">70<\/td><td class=\"column-4\">11 years<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Greater than $726,200<\/td><td class=\"column-2\">> 90.00% but \u2264 95%> 95.00%<\/td><td class=\"column-3\">70<\/td><td class=\"column-4\">mortgage term<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Greater than $726,200<\/td><td class=\"column-2\">> 95%<\/td><td class=\"column-3\">75<\/td><td class=\"column-4\">mortgage term<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1 from cache -->\n\n<table id=\"tablepress-2\" class=\"tablepress tablepress-id-2\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Base Loan Amount<\/th><th class=\"column-2\">LTV (Loan to Value)<\/th><th class=\"column-3\">MIP (BPS)<\/th><th class=\"column-4\">Duration<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Less than $726,200<\/td><td class=\"column-2\">\u2264 90.00% <\/td><td class=\"column-3\">15<\/td><td class=\"column-4\">11 years<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Less than $726,200<\/td><td class=\"column-2\">> 90.00%<\/td><td class=\"column-3\">40<\/td><td class=\"column-4\">mortgage term<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Greater than $726,200<\/td><td class=\"column-2\">\u2264 78.00%<\/td><td class=\"column-3\">15<\/td><td class=\"column-4\">11 years<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Greater than $726,200<\/td><td class=\"column-2\">> 78.00% but \u2264 90.00%<\/td><td class=\"column-3\">40<\/td><td class=\"column-4\">11 years<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Greater than $726,200<\/td><td class=\"column-2\">> 90.00%<\/td><td class=\"column-3\">65<\/td><td class=\"column-4\">mortgage term<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2 from cache -->\n<p><em><strong>We have specialized in FHA Loans since 2007<\/strong><\/em> and would be honored to share our knowledge and expertise to help you finance your next home.<\/p>\n<script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof 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gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gform_legacy_markup_wrapper gform-theme--no-framework' data-form-theme='legacy' data-form-index='0' id='gform_wrapper_5' ><div id='gf_5' class='gform_anchor' tabindex='-1'><\/div>\n                        <div class='gform_heading'>\n                            <h3 class=\"gform_title\">Get Started Here<\/h3>\n                            <p class='gform_description'>Ready to Get Pre-approved for your Home Loan?   2 easy ways to start - fill out the form below or give us a call\/text at 760-752-4480. <\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data'  id='gform_5'  action='\/california\/wp-json\/wp\/v2\/posts\/1227#gf_5' data-formid='5' novalidate>\n        <div id='gf_progressbar_wrapper_5' class='gf_progressbar_wrapper' data-start-at-zero=''>\n        \t<h3 class=\"gf_progressbar_title\">Step <span class='gf_step_current_page'>1<\/span> of <span class='gf_step_page_count'>4<\/span><span class='gf_step_page_name'><\/span>\n        \t<\/h3>\n            <div class='gf_progressbar gf_progressbar_blue' aria-hidden='true'>\n                <div class='gf_progressbar_percentage percentbar_blue percentbar_25' style='width:25%;'><span>25%<\/span><\/div>\n            <\/div><\/div>\n                        <div class='gform-body gform_body'><div id='gform_page_5_1' class='gform_page ' data-js='page-field-id-0' >\n\t\t\t\t\t<div class='gform_page_fields'><ul id='gform_fields_5' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id=\"field_5_1\" class=\"gfield gfield--type-select gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_5_1'>I am looking to:<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_1' id='input_5_1' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Purchase a Home' selected='selected'>Purchase a Home<\/option><option value='Refinance my Home' >Refinance my Home<\/option><option value='Consolidate Debt' >Consolidate Debt<\/option><option value='Do Home Improvement on my Home' >Do Home Improvement on my Home<\/option><option value='Get Cash Out' >Get Cash Out<\/option><\/select><\/div><\/li><li id=\"field_5_19\" class=\"gfield gfield--type-address gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Located in:<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label>    \n                    <div class='ginput_complex ginput_container has_city has_state ginput_container_address gform-grid-row' id='input_5_19' >\n                        <span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_5_19_3_container' >\n                                    <input type='text' name='input_19.3' id='input_5_19_3' value=''    aria-required='true'    \/>\n                                    <label for='input_5_19_3' id='input_5_19_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_5_19_4_container' >\n                                        <select name='input_19.4' id='input_5_19_4'     aria-required='true'    ><option value='' selected='selected'><\/option><option value='Alabama' >Alabama<\/option><option value='Alaska' >Alaska<\/option><option value='American Samoa' >American Samoa<\/option><option value='Arizona' >Arizona<\/option><option value='Arkansas' >Arkansas<\/option><option value='California' >California<\/option><option value='Colorado' >Colorado<\/option><option value='Connecticut' >Connecticut<\/option><option value='Delaware' >Delaware<\/option><option value='District of Columbia' >District of Columbia<\/option><option value='Florida' >Florida<\/option><option value='Georgia' >Georgia<\/option><option value='Guam' >Guam<\/option><option value='Hawaii' >Hawaii<\/option><option value='Idaho' >Idaho<\/option><option value='Illinois' >Illinois<\/option><option value='Indiana' >Indiana<\/option><option value='Iowa' >Iowa<\/option><option value='Kansas' >Kansas<\/option><option value='Kentucky' >Kentucky<\/option><option value='Louisiana' >Louisiana<\/option><option value='Maine' >Maine<\/option><option value='Maryland' >Maryland<\/option><option value='Massachusetts' >Massachusetts<\/option><option value='Michigan' >Michigan<\/option><option value='Minnesota' >Minnesota<\/option><option value='Mississippi' >Mississippi<\/option><option value='Missouri' >Missouri<\/option><option value='Montana' >Montana<\/option><option value='Nebraska' >Nebraska<\/option><option value='Nevada' >Nevada<\/option><option value='New Hampshire' >New Hampshire<\/option><option value='New Jersey' >New Jersey<\/option><option value='New Mexico' >New Mexico<\/option><option value='New York' >New York<\/option><option value='North Carolina' >North Carolina<\/option><option value='North Dakota' >North Dakota<\/option><option value='Northern Mariana Islands' >Northern Mariana Islands<\/option><option value='Ohio' >Ohio<\/option><option value='Oklahoma' >Oklahoma<\/option><option value='Oregon' >Oregon<\/option><option value='Pennsylvania' >Pennsylvania<\/option><option value='Puerto Rico' >Puerto Rico<\/option><option value='Rhode Island' >Rhode Island<\/option><option value='South Carolina' >South Carolina<\/option><option value='South Dakota' >South Dakota<\/option><option value='Tennessee' >Tennessee<\/option><option value='Texas' >Texas<\/option><option value='Utah' >Utah<\/option><option value='U.S. Virgin Islands' >U.S. Virgin Islands<\/option><option value='Vermont' >Vermont<\/option><option value='Virginia' >Virginia<\/option><option value='Washington' >Washington<\/option><option value='West Virginia' >West Virginia<\/option><option value='Wisconsin' >Wisconsin<\/option><option value='Wyoming' >Wyoming<\/option><option value='Armed Forces Americas' >Armed Forces Americas<\/option><option value='Armed Forces Europe' >Armed Forces Europe<\/option><option value='Armed Forces Pacific' >Armed Forces Pacific<\/option><\/select>\n                                        <label for='input_5_19_4' id='input_5_19_4_label' class='gform-field-label gform-field-label--type-sub '>State<\/label>\n                                      <\/span><input type='hidden' class='gform_hidden' name='input_19.6' id='input_5_19_6' value='United States' \/>\n                    <div class='gf_clear gf_clear_complex'><\/div>\n                <\/div><\/li><\/ul>\n                    <\/div>\n                    <div class='gform-page-footer gform_page_footer top_label'>\n                         <input type='button' id='gform_next_button_5_3' class='gform_next_button gform-theme-button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='next' value='Next'  \/> \n                    <\/div>\n                <\/div>\n                <div id='gform_page_5_2' class='gform_page' data-js='page-field-id-3' style='display:none;'>\n                    <div class='gform_page_fields'>\n                        <ul id='gform_fields_5_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id=\"field_5_5\" class=\"gfield gfield--type-select gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_5_5'>US Military Veteran or Active Duty?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_5' id='input_5_5' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Yes' selected='selected'>Yes<\/option><option value='No' >No<\/option><option value='Not Sure if I qualify' >Not Sure if I qualify<\/option><\/select><\/div><\/li><li id=\"field_5_2\" class=\"gfield gfield--type-select gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_5_2'>Loan Type Requested:<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_2' id='input_5_2' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='VA Loan' selected='selected'>VA Loan<\/option><option value='FHA Loan' >FHA Loan<\/option><option value='USDA Loan' >USDA Loan<\/option><option value='Conventional Loan' >Conventional Loan<\/option><option value='Jumbo Loan' >Jumbo Loan<\/option><option value='First Time Homebuyer program' >First Time Homebuyer program<\/option><option value='Down Payment Assistance Loan' >Down Payment Assistance Loan<\/option><option value='Reverse Mortgage' >Reverse Mortgage<\/option><option value='other' >other<\/option><\/select><\/div><\/li><\/ul>\n                    <\/div>\n                    <div class='gform-page-footer gform_page_footer top_label'>\n                        <input type='button' id='gform_previous_button_5_6' class='gform_previous_button gform-theme-button gform-theme-button--secondary button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='previous' value='Previous'  \/> <input type='button' id='gform_next_button_5_6' class='gform_next_button gform-theme-button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='next' value='Next'  \/> \n                    <\/div>\n                <\/div>\n                <div id='gform_page_5_3' class='gform_page' data-js='page-field-id-6' style='display:none;'>\n                    <div class='gform_page_fields'>\n                        <ul id='gform_fields_5_3' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id=\"field_5_8\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Type of Home<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_checkbox'><ul class='gfield_checkbox' id='input_5_8'><li class='gchoice gchoice_5_8_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_8.1' type='checkbox'  value='Single Family' checked='checked' id='choice_5_8_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_5_8_1' id='label_5_8_1' class='gform-field-label gform-field-label--type-inline'>Single Family<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_5_8_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_8.2' type='checkbox'  value='Condo'  id='choice_5_8_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_5_8_2' id='label_5_8_2' class='gform-field-label gform-field-label--type-inline'>Condo<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_5_8_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_8.3' type='checkbox'  value='Townhome'  id='choice_5_8_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_5_8_3' id='label_5_8_3' class='gform-field-label gform-field-label--type-inline'>Townhome<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_5_8_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_8.4' type='checkbox'  value='2-4 Unit home'  id='choice_5_8_4'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_5_8_4' id='label_5_8_4' class='gform-field-label gform-field-label--type-inline'>2-4 Unit home<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_5_8_5'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_8.5' type='checkbox'  value='Manufactured Home on full foundation'  id='choice_5_8_5'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_5_8_5' id='label_5_8_5' class='gform-field-label gform-field-label--type-inline'>Manufactured Home on full foundation<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_5_8_6'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_8.6' type='checkbox'  value='Other'  id='choice_5_8_6'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_5_8_6' id='label_5_8_6' class='gform-field-label gform-field-label--type-inline'>Other<\/label>\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/li><li id=\"field_5_7\" class=\"gfield gfield--type-select gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_5_7'>Home will be used as:<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_7' id='input_5_7' class='medium gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Primary Residence' >Primary Residence<\/option><option value='Investment Home' >Investment Home<\/option><option value='Second Home' >Second Home<\/option><\/select><\/div><\/li><\/ul>\n                    <\/div>\n                    <div class='gform-page-footer gform_page_footer top_label'>\n                        <input type='button' id='gform_previous_button_5_10' class='gform_previous_button gform-theme-button gform-theme-button--secondary button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='previous' value='Previous'  \/> <input type='button' id='gform_next_button_5_10' class='gform_next_button gform-theme-button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='next' value='Next'  \/> \n                    <\/div>\n                <\/div>\n                <div id='gform_page_5_4' class='gform_page' data-js='page-field-id-10' style='display:none;'>\n                    <div class='gform_page_fields'>\n                        <ul id='gform_fields_5_4' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id=\"field_5_4\" class=\"gfield gfield--type-select gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_5_4'>My Credit Profile is:<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_4' id='input_5_4' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Excellent' >Excellent<\/option><option value='Good' selected='selected'>Good<\/option><option value='Fair' >Fair<\/option><option value='Poor' >Poor<\/option><\/select><\/div><\/li><li id=\"field_5_11\" class=\"gfield gfield--type-name gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name gform-grid-row' id='input_5_11'>\n                            \n                            <span id='input_5_11_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_11.3' id='input_5_11_3' value=''   aria-required='true'     \/>\n                                                    <label for='input_5_11_3' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                <\/span>\n                            \n                            <span id='input_5_11_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_11.6' id='input_5_11_6' value=''   aria-required='true'     \/>\n               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All FHA Loans endorsed on that date or after will qualify for the reduced premiums.\u00a0 Endorsed means the process where FHA guarantees the loan for the Lender, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[804,807,16,805],"tags":[],"class_list":["post-1227","post","type-post","status-publish","format-standard","hentry","category-california-down-payment-assistance-fha-loans","category-california-fha-jumbo-lender","category-california-fha-lender","category-california-fha-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.7 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>FHA reduces Mortgage Insurance for California home buyers - California Government Loan Pros - VA, FHA, USDA Loans<\/title>\n<meta name=\"description\" content=\"FHA reduces California FHA Loan mortgage insurance in 2023. 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