FHA Customer Service Number: How to Reach FHA, What to Ask, and What to Expect

Primary Contact Details and Practical Calling Info

The main point of contact for consumer FHA questions is the FHA Resource Center: 1-800-225-5342 (1-800-CALL-FHA). This line is staffed by FHA specialists who handle borrower inquiries about insurance endorsements, FHA single-family program rules, mortgage insurance premiums (MIP), FHA case number lookups, and general eligibility guidance. The FHA Resource Center web landing is at https://www.hud.gov/program_offices/housing/sfh/fha_resource_center and HUD’s primary site is https://www.hud.gov.

If your issue requires escalation beyond the Resource Center—for example, a policy interpretation that affects underwriting, or a slow claim review—contact HUD Headquarters at 202-708-1112 or write to HUD Headquarters, 451 7th Street SW, Washington, DC 20410. For lender-specific systems (FHA Connection, FHA Catalyst), lenders and servicers use dedicated technical support portals; consumer-facing staff will direct you to lender channels or local HUD field offices when appropriate.

What FHA Customer Service Can and Cannot Do

FHA customer service can verify FHA case files, confirm whether a property has an FHA case number, explain basic MIP rates and whether an up-front premium or annual MIP applies, and point borrowers to loss mitigation resources or HUD-approved housing counseling agencies. They provide precise references to FHA Handbook materials (e.g., HUD Handbook 4000.1 guidance) and can advise on required documentation for endorsements and claim submissions. For matters like loan modification eligibility or foreclosure timelines, they will typically direct you to your mortgage servicer because servicers hold account-level control.

FHA staff cannot provide legal advice, represent you in a dispute with a servicer, or change servicer-specific loan servicing decisions on the spot. For contested servicer decisions, FHA customer service will document your complaint and advise next steps—such as formal appeals through a servicer’s internal review, referral to HUD’s local caseworker, or information on filing a complaint via HUD’s online forms at hud.gov. Keep in mind that resolution for disputes that require document review or coordination with third parties often takes weeks.

Before You Call: Information and Documents to Have Ready

Calling FHA is faster and more productive if you gather the essential identifiers and documents in advance. Have precise borrower identifiers, the property address, any FHA case number (if known), and the loan or mortgage number. If you are a lender, servicer, or attorney calling on behalf of a client, be ready with your FHA Connection (FHAC) account details and case binder numbers; callers without this data will be referred to their servicing entity.

• Minimum data to provide: borrower full name, property address, loan number, FHA case number (if available), and last four digits of Social Security number for verification.
• Helpful documents: Notice of Assignment, HUD-1/Closing Disclosure, mortgage statement showing MIP, loss mitigation correspondence, and servicer communications (dates and reference numbers).
• Expected call topics: MIP refund status, assumption processing, endorsement outstanding items, claim status, and FHA-insured title/escrow questions.

Alternative Channels, Local Offices, and Escalation Steps

If you cannot resolve an issue by phone, FHA provides multiple online and in-person resources. Use HUD.gov to locate your nearest HUD field office (there are approximately 84 field offices nationwide); field offices are useful for county-level housing staff coordination and for connecting borrowers with HUD-approved housing counseling agencies. For consumers with disabilities or those needing special accommodations, consult HUD’s accessibility information on hud.gov for options such as TTY or relay services specific to your region.

• Escalation pathway: 1) Contact FHA Resource Center (1-800-225-5342). 2) If unresolved, request transfer to a supervisor or ask for a written escalation tracking number. 3) Contact HUD Headquarters at 202-708-1112 and cite the Resource Center tracking number. 4) If you suspect fraud, waste, or misconduct, use the HUD Office of Inspector General resources on https://www.hudoig.gov to file a complaint.

Timelines, Typical Resolutions, and What to Expect After Contact

Simple verifications and guidance calls are typically resolved during the call or within 1–3 business days if follow-up is required. More complex matters—such as MIP refunds, endorsement document review, or claim adjudication—often take 30–90 days because they require file retrieval, servicer coordination, and internal review. If FHA refers you to a servicer, expect additional servicer-specific timelines; servicer responses for loss mitigation can legally range from 30–90 days depending on state and federal rules.

Documented escalations produce an internal tracking reference; keep that number and note the representative’s name and date/time of the call. If you need faster action on time-sensitive items (foreclosure sale dates, imminent insurance endorsement expirations), clearly state the deadline when you call and request expedited handling or a supervisor review. Follow up periodically and keep copies of every communication—phone logs, email confirmations, and mailed correspondence—as these are essential if you later file an appeal or formal complaint.

Practical Closing Notes from a Professional

When you call 1-800-225-5342, be concise, factual, and ready with the items listed above. The FHA Resource Center is engineered to route technical, legal, and servicing queries to the appropriate office; providing full documentation upfront reduces total resolution time. For lender- and servicer-level system support, use the FHA-specific technical portals referenced on hud.gov to access FHAC or Catalyst resources.

Keep HUD’s physical address (451 7th Street SW, Washington, DC 20410) and HUD’s website (https://www.hud.gov) on hand for formal correspondence. Accurate preparation and persistent, documented follow-up are the most effective strategies for resolving FHA-related servicing and insurance issues.

How to check if FHA is approved?

If you’ve found a great condo, you’ll want to check if it meets FHA requirements. Use the U.S. Department of Housing and Urban Development’s search tool to find out if the one you’re eyeing is eligible. You’ll need to know some details about the condo development, including its name, condo ID, city, and state.

Why do sellers not accept FHA?

Some sellers may be hesitant to accept an FHA offer due to the perception that FHA loans take longer to close or have stricter property requirements; having professionals with experience navigating the process can move things along effectively and dispel any of those common FHA myths or other questions that come up for …

How do I contact FHA directly?

Ask general questions, learn about Federal Housing Administration (FHA) loans and other homeownership programs. Call (800) 225-5342 / TTY (800) 877-8339, email [email protected], or search frequently asked questions.

What is FHA now called?

FHA became a part of the Department of Housing and Urban Development’s (HUD) Office of Housing in 1965.

How do I ask a question on an FHA loan?

You have a variety of ways to get FHA information!

1. Online FAQ Site: www.hud.gov/answers. Our online knowledge base helps you find answers 24/7.
2. Email: [email protected].
3. Telephone: (800) CALL-FHA (1-800-225-5342)
4. Email Updates: Subscribe now to FHA Single Family Housing Industry News email.

Is it hard to get an FHA loan right now?

Is it hard to get an FHA loan? Getting any type of home loan requires effort and resources, but generally, it’s easier to qualify for an FHA loan than for a conventional mortgage. With the pandemic and recession, however, many lenders’ FHA loan and refinance requirements have become more restrictive.