As one gets into the home buying journey, they often wonder about what is the FHA? The Federal Housing Administration (FHA) offers mortgage loans for insured mortgage loans with approved lenders. Understanding what a FHA loan is will help buyers in securing their mortgage loans with fewer requirements at the beginning stage. For those wishing to know about what is a FHA mortgage loan, they can find out that it is attractive because of the fewer requirements needed for one to be eligible. It is vital to understand how to qualify for FHA loans before one applies for the FHA loans program.