When Does FHA Mortgage Insurance Go Away? The 11-Year Rule, the Refinance Exit, and the Math

Douglas Wilkerson

Published on: 08/11/2026

Less than 10% down on an FHA loan means mortgage insurance for the life of the loan — about $29,400 on a $300,000 home. Here is the 11-year rule, the refinance exit, and the math.

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FHA Is Rewriting Its Property Rules for the First Time in 20+ Years — What Buyers Need to Know

Douglas Wilkerson

Published on: 06/10/2026

FHA proposed the first rewrite of its minimum property requirements in 20+ years: no more appliance inspections, no crawl-space visits, and a C4 condition floor. Here's what's changing, what isn't, and what to do.

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