You can have multiple FHA loans over your lifetime, but typically you are allowed to have only one FHA loan at a time. This is because FHA loans are intended for primary residences, not for investment properties or multiple homes

. However, exceptions exist that allow you to have more than one FHA loan simultaneously without selling your current home or paying off the existing FHA loan. These exceptions include:

• Relocating to a new area that is beyond a reasonable commuting distance (usually at least 100 miles away) from your current residence

• Divorce situations where you are moving out of a jointly owned home and plan to buy a new home solely in your name

• A significant increase in family size requiring a larger home, with evidence that your current home no longer meets your needs and typically having at least 25% equity in your current home

• Co-signing an FHA loan for someone else and now wanting to purchase your own home

In these cases, you can qualify for an additional FHA loan without waiting periods between loans

. In summary, while there is no lifetime limit on the number of FHA loans you can obtain, you generally can only have one FHA loan at a time unless you meet specific criteria that justify a second FHA loan concurrently