How Much Mortgage Do I Qualify For Fha Created in 1934 during the Great Depression, the FHA is a government agency that provides mortgage insurance to lenders. Before the FHA came into being, housing markets were struggling.Only four in ten households owned homes, and loans were a burden for buyers.First Time Home Buyer Federal Loan OCHFA Homebuyer – WHO IS ELIGIBLE A first-time homebuyer who has NOT owned a home or co-signed a mortgage within the past 3 (three) years.. Qualifying consumers must be a first-time homebuyer, which is defined as a person(s) who has not had an ownership interest in a primary residence (whether individually or jointly) during the previous three years; and plan to occupy the home as their primary.
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