FHA Loans

Home Mortgages | Automated Underwriting System | Bad Credit Mortgages | Career Opportunities/Loan Officer Training | Conventional Loans | Credit Scores | FHA Loans | First Time Home Buyers | Home Purchase | Income And Employment | Investment Homes | Manual Underwriting | NON-QM Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Videos

Working With a Loan Officer: Mortgage Process Guide
ByJohn Strange, NMLS: 230932 Posted onSeptember 9, 2026September 10, 2026

Working With a Loan Officer: Mortgage Process From Pre-Approval to Closing Your journey with a loan officer begins even before…

Continue Reading Working With a Loan Officer: Mortgage Process Guide
Mortgage After Bankruptcy and Foreclosure | Automated Underwriting System | Conventional Loans | FHA Loans | Manual Underwriting | NON-QM Loans | Qualifying & Getting Pre-approved | USDA Loans | VA Loans | Videos

Chapter 13 Trustee Mortgage Approval | FHA, VA & USDA
ByMike Gracz, NMLS: 1160212 Posted onSeptember 7, 2026September 8, 2026

Securing a mortgage is still within reach, even if your Chapter 13 bankruptcy is ongoing. You do not always have…

Continue Reading Chapter 13 Trustee Mortgage Approval | FHA, VA & USDA
Manual Underwriting | Automated Underwriting System | Compensating Factors | FHA Loans | First Time Home Buyers | High Debt To Income Ratio | Videos

HUD Manual Underwriting DTI Guidelines: Your Approval Guide
ByGustan Cho, NMLS 873293 Posted onSeptember 7, 2026September 13, 2026

HUD Manual Underwriting DTI Guidelines for FHA Loans: 2026 Approval Guide Getting a Refer result from an automated underwriting system…

Continue Reading HUD Manual Underwriting DTI Guidelines: Your Approval Guide
Conventional Loans | FHA Loans | Investment Homes | NON-QM Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Selling Your Home | Videos

Buying a New Primary Residence While Renting Out Your Current Home
ByGustan Cho, NMLS 873293 Posted onSeptember 5, 2026September 8, 2026

Buying a Second Primary Home While Renting Your Current Home You can buy a new primary residence and keep your…

Continue Reading Buying a New Primary Residence While Renting Out Your Current Home
FHA Loans | Manual Underwriting | Mortgage Lender Overlays | Videos

FHA Loans with 500 FICO Credit Score
ByGustan Cho, NMLS 873293 Posted onSeptember 5, 2026September 8, 2026

HUD, the parent of FHA, allows borrowers down to a 500 credit score to qualify for an FHA loan. However, for borrowers with under a 580 credit score, a 10% down payment is required.

Continue Reading FHA Loans with 500 FICO Credit Score
Mortgage After Bankruptcy and Foreclosure | FHA Loans | Manual Underwriting | Verification Of Rent | Videos

FHA Chapter 13 Bankruptcy Manual Underwriting Guidelines
ByGustan Cho, NMLS 873293 Posted onAugust 25, 2026September 17, 2026

Borrowers in Chapter 13 bankruptcy may still be eligible to buy or refinance a home with an FHA loan. FHA…

Continue Reading FHA Chapter 13 Bankruptcy Manual Underwriting Guidelines
Bad Credit Mortgages | Automated Underwriting System | Charge Off Accounts | Collection Accounts | FHA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

FHA Loans vs VA Loans: Which Mortgage Is Better for You?
ByGustan Cho, NMLS 873293 Posted onAugust 24, 2026August 25, 2026

In this article, we will be comparing FHA loans vs VA loans. VA loans are by far the best mortgage…

Continue Reading FHA Loans vs VA Loans: Which Mortgage Is Better for You?
Videos | FHA Loans | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Regulations | Resources

FHA Case Number: What It Is, How It Works, and How to Transfer It
ByGustan Cho, NMLS 873293 Posted onAugust 24, 2026September 17, 2026

FHA Case Number: Assignment, Transfer & Cancellation Guide This guide will cover and discuss what an FHA case number is,…

Continue Reading FHA Case Number: What It Is, How It Works, and How to Transfer It
Compensating Factors | FHA Loans | High Debt To Income Ratio | Manual Underwriting | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

FHA DTI Ratios on Manual Underwrites
ByGustan Cho, NMLS 873293 Posted onAugust 23, 2026August 24, 2026

This guide covers FHA DTI guidelines on manual underwrites. The key distinction between manual and automated underwriting system guidelines lies…

Continue Reading FHA DTI Ratios on Manual Underwrites
Conventional Loans | FHA Loans | High-Balance Mortgage Loans | Jumbo Loans | VA Loans | Videos

High-Balance Mortgage Loans
ByAlex Carlucci, NMLS: 229891 Posted onAugust 21, 2026August 24, 2026

High-balance mortgage loans help qualified borrowers finance more expensive homes, but FHA, VA, and conforming programs define “high balance” differently….

Continue Reading High-Balance Mortgage Loans
FHA Loans | Home Possible | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Selling Your Home | Videos

How to Buy and Sell a House While in Chapter 13 Bankruptcy
ByGustan Cho, NMLS 873293 Posted onAugust 20, 2026August 24, 2026

Yes, it may be possible to buy and sell a house while in Chapter 13 bankruptcy without waiting for discharge….

Continue Reading How to Buy and Sell a House While in Chapter 13 Bankruptcy
Mortgage After Bankruptcy and Foreclosure | FHA Loans | VA Loans | Videos

Buying a House While in Chapter 13 Bankruptcy
ByGustan Cho, NMLS 873293 Posted onAugust 20, 2026August 24, 2026

Can you buy a house while in Chapter 13 bankruptcy? Yes, buying a house while in Chapter 13 bankruptcy is…

Continue Reading Buying a House While in Chapter 13 Bankruptcy
Home Mortgages | FHA Loans | Real Estate Topic

Colorado Mortgage Loan Limits on FHA and Conforming Loans
ByMike Gracz, NMLS: 1160212 Posted onAugust 19, 2026August 20, 2026

Colorado mortgage loan limits are not the same in every county. For 2026, the standard conforming limit for a one-unit…

Continue Reading Colorado Mortgage Loan Limits on FHA and Conforming Loans
Bad Credit Mortgages | Credit Scores | FHA Loans | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos

FHA Loan with Low Credit Scores Mortgage Guidelines
ByGustan Cho, NMLS 873293 Posted onAugust 19, 2026August 21, 2026

2026 Mortgage Guidelines: FHA Loans with Low Credit Scores FHA loans make it possible for people with low credit scores…

Continue Reading FHA Loan with Low Credit Scores Mortgage Guidelines
Conventional Loans | FHA Loans | Manufactured Homes | USDA Loans | VA Loans | Videos

Modular Homes: Mortgage Options and Borrower Qualifications
ByGustan Cho, NMLS 873293 Posted onAugust 18, 2026August 19, 2026

This guide covers modular homes. We will answer the question of can you get a mortgage on modular homes? Yes,…

Continue Reading Modular Homes: Mortgage Options and Borrower Qualifications
Bad Credit Mortgages | FHA Loans | Videos

FHA Loan in Montana: Requirements, Loan Limits and Bad Credit Guidelines
ByJohn Strange, NMLS: 230932 Posted onAugust 17, 2026August 24, 2026

An FHA loan in Montana may be a suitable choice for people who have only limited savings or who have…

Continue Reading FHA Loan in Montana: Requirements, Loan Limits and Bad Credit Guidelines
FHA Loans

FHA Loan Guidelines in Alabama: Requirements for Homebuyers
ByGustan Cho, NMLS 873293 Posted onAugust 17, 2026August 18, 2026

FHA loan guidelines Alabama can make buying a home possible for borrowers who may not fit conventional loan requirements. With…

Continue Reading FHA Loan Guidelines in Alabama: Requirements for Homebuyers
Bad Credit Mortgages | FHA Loans | First Time Home Buyers | Videos

FHA Loans With Low Credit Scores in Nebraska
ByJohn Strange, NMLS: 230932 Posted onAugust 12, 2026August 17, 2026

FHA loans with low credit scores in Nebraska may help eligible borrowers purchase a primary residence. Borrowers with a credit…

Continue Reading FHA Loans With Low Credit Scores in Nebraska
Conventional Loans | FHA Loans | Mortgage Rates | Videos

FHA versus Conventional Mortgage Rates
ByGustan Cho, NMLS 873293 Posted onAugust 12, 2026August 17, 2026

This guide covers FHA versus conventional mortgage rates on purchase and refinance transactions. One of the most common questions the…

Continue Reading FHA versus Conventional Mortgage Rates
Bad Credit Mortgages | Credit Scores | FHA Loans | VA Loans | Videos

Credit Scores Required for FHA and VA Loans
ByGustan Cho, NMLS 873293 Posted onAugust 12, 2026August 17, 2026

This guide covers the credit scores required for FHA and VA loans. Many borrowers are confused about the credit scores…

Continue Reading Credit Scores Required for FHA and VA Loans
Home Mortgages | FHA Loans | Home Purchase | Real Estate Topic | Regulations | Videos

How to Qualify for a Home Loan in Community Property States
ByTanhia Romero Posted onAugust 9, 2026August 10, 2026

If you’re married and you buy a home in a community property state, you’ll face different rules for qualifying. Most of these rules come into play if you finance your home with a government-backed home loan like the FHA, VA or USDA programs.

Continue Reading How to Qualify for a Home Loan in Community Property States
Collection Accounts | Conventional Loans | FHA Loans | Videos

Fannie Mae and HUD Guidelines on Conforming vs FHA Loans
ByGustan Cho, NMLS 873293 Posted onAugust 7, 2026August 11, 2026

FHA and conventional loans work best for different borrower profiles. FHA loans are often better for borrowers with lower credit…

Continue Reading Fannie Mae and HUD Guidelines on Conforming vs FHA Loans

CALL NOW