06/01/2026
Understanding the FHA 90-Day Flip Rule 🏡✨
If you’re buying a beautifully renovated home with FHA financing, there’s one important detail you need to know: the FHA 90-Day Flip Rule.
Here’s what that means ⬇️
✅ If a seller has owned the property less than 90 days, FHA financing typically cannot be used to purchase that home.
✅ Once the seller has owned it 91+ days, FHA financing may become available.
✅ In some cases between 91–180 days, additional appraisal requirements may apply if the resale price has increased significantly.
Why does this rule exist?
It helps protect buyers from:
✔️ inflated resale prices
✔️ incomplete renovations
✔️ appraisal concerns
✔️ unexpected financing delays
Knowing this early can save time, stress, and prevent contract surprises during your home search.
Why having me as your agent matters 🤝🏾
As your Realtors I offer guidance and minimize possible setbacks. I’m never in competition with my clients—I’m in partnership with them.
My role is to:
✔️ educate you before you write the offer
✔️ help you avoid avoidable delays
✔️ protect your time and your investment
✔️ advocate for your best interest from consultation to closing
Whether you’re purchasing your first home, using FHA financing, or trying to understand lender guidelines, I’m here to help you move forward with clarity and confidence.
Call to Action 📲
Thinking about buying a home with FHA financing or have questions about a flipped property?
DM • CALL • TEXT • FOLLOW • SHARE
Lia Alexander, REALTOR®
Better Homes and Gardens Real Estate Metro Brokers
📱 404-843-2500
Lic # 442152
Equal Housing Opportunity. Information provided is for educational purposes only and is not legal or lending advice. Buyers should verify loan eligibility and guidelines with their lender.