HUD Reserve Requirements for FHA Loans
HUD reserve requirements depend on the property type and how the FHA loan is underwritten. A standard one-unit FHA loan…
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Boarder Income Mortgage Guidelines: FHA, VA, HomeReady and Home Possible Rules
Boarder income mortgage guidelines may allow established roommate rent to help you qualify for an FHA, VA, Fannie Mae HomeReady,…
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Two FHA Loans Due to Expanding Family Size: HUD Guidelines and 75% LTV Rule
Can I qualify for two FHA loans due to expanding family size? Yes, you may qualify for two FHA loans…
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FHA Guidelines on Mortgage After Loan Modification: Purchase and Refinance Rules
A prior loan modification does not automatically prevent FHA approval. FHA guidelines on mortgage after loan modification depend on the…
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FHA Loans With Child Support Payments Mortgage Guidelines
FHA loans with child support payments are possible whether you receive child support or pay it. If you receive child…
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HUD 4000.1 FHA Handbook for FHA Loans
This guide is a shortcut guide to the HUD 4000.1 FHA Handbook, Revised for FHA Loans. The HUD 4000.1 FHA…
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Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Conventional Loans | FHA Loans | Videos
Do I Have to Pay Collections for FHA Loan Approval
Do I Have to Pay Collection Accounts for FHA Loan Approval? A frequently asked question by people who have had…
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Mortgage Guidelines After High School: Can You Buy With a New Job?
Mortgage guidelines after high school vary by loan program. You may qualify soon after graduation without two years on the…
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High Debt To Income Ratio | FHA Loans | Manual Underwriting | Mortgage Lender Overlays | Mortgage Processing And Underwriting | Videos
Excluding Debts from DTI Calculations
One of the challenges people who want to buy a house have is having a high debt-to-income ratio. If you…
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Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Credit Scores | FHA Loans | First Time Home Buyers | High Debt To Income Ratio | Manual Underwriting | Qualifying & Getting Pre-approved | Videos
FHA Loans with Under 620 FICO in Utah: Credit, Collections, and Approval Guidelines
We will discuss qualifying for FHA loans in Utah with a FICO score under 620, including those with outstanding collections…
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FHA Loans | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Real Estate Topic | Videos
Multiple FHA Loans at the Same Time
This guide covers HUD mortgage guidelines on having multiple FHA loans at the same time. One of the most frequently…
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When Are Two Appraisals Required for a Mortgage?
When are two appraisals required? Two full appraisals are not standard for most mortgages. A second appraisal may be required…
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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
Working With a Loan Officer: Mortgage Process From Pre-Approval to Closing Your journey with a loan officer begins even before…
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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
Securing a mortgage is still within reach, even if your Chapter 13 bankruptcy is ongoing. You do not always have…
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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
HUD Manual Underwriting DTI Guidelines for FHA Loans: 2026 Approval Guide Getting a Refer result from an automated underwriting system…
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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
Buying a Second Primary Home While Renting Your Current Home You can buy a new primary residence and keep your…
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FHA Loans with 500 FICO Credit Score
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.
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Mortgage After Bankruptcy and Foreclosure | FHA Loans | Manual Underwriting | Verification Of Rent | Videos
FHA Chapter 13 Bankruptcy Manual Underwriting Guidelines
Borrowers in Chapter 13 bankruptcy may still be eligible to buy or refinance a home with an FHA loan. FHA…
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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?
In this article, we will be comparing FHA loans vs VA loans. VA loans are by far the best mortgage…
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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
FHA Case Number: Assignment, Transfer & Cancellation Guide This guide will cover and discuss what an FHA case number is,…
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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
This guide covers FHA DTI guidelines on manual underwrites. The key distinction between manual and automated underwriting system guidelines lies…
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High-Balance Mortgage Loans
High-balance mortgage loans help qualified borrowers finance more expensive homes, but FHA, VA, and conforming programs define “high balance” differently….
