If you love historic architecture and neighborhoods and want to buy a historic property, the Federal Housing Administration (HUD) has programs to help. HUD home loans for historical properties are guaranteed through its Federal Housing Administration division (FHA). That means the federal government backs the mortgage from your lender so you may buy or renovate a historic home.

Find FHA lenders here.

You may qualify for FHA loans for homes on the National Register of Historic Properties, associated with state block grants or in historic neighborhoods. Or your desired property may qualify for other traditional home loans.

You may be buying your first home or a fixer-upper. Likewise, you may need to refinance a historic property you already own to pay for repairs. Possibly you are a senior citizen who already owns a historic property and is considering a reverse mortgage. There are FHA loans for these scenarios as well.

You can also get federal grants, tax credits and down payment assistance for historic properties. An FHA housing counselor can help answer questions about your specific property.

Regardless of which program best fits the home you want to buy, all HUD home loans for historical properties have personal credit requirements. Loan terms will also vary depending on your lender. Some lenders charge a higher rate on mortgages for older homes. Get the details on specific loans from each lender you consider.

Reply! can help you find a lender for your the historic property of your dreams.