 TITLE: How Do I Qualify for an FHA Home Improvement Loan? CONTENT: Just like with regular FHA loans, an FHA Home Improvement Loan is obtained through a HUD-approved lender. You can search for one in your area and find out how they process applications.\nYou can also meet with a HUD-approved counseling agency, which offers guidance on whether an FHA loan is right for you and guides you through the process if needed.\nKeep in mind that while lenders are required to offer fixed interest rates on par with market rates, the government doesn't dictate rates, so they can vary by lender. END