FHA loan guides, requirements, and tips for buyers.
FHA Loans
FHA Loans
Credit score minimums, down payment rules, and the local factors that decide FHA approval in Louisiana: flood zones, insurance costs, and older homes.
FHA Loans
FHA appraisals check both value and property condition. Here's what appraisers look for, common fail items, and how to prepare.
FHA Loans
Yes, but FHA uses net income from your tax returns, not gross revenue. Here is how self-employed borrowers qualify.
FHA Loans
FHA restricts purchases of recently flipped properties. Here's the 90-day rule, exceptions, and how to work around it.
FHA Loans
Buying from a family member with FHA? The identity of interest rule can require a larger down payment, and there are exceptions worth knowing.
FHA Loans
The FHA amendatory clause protects buyers if the appraisal comes in below the purchase price. Here's how it works.
FHA Loans
FHA requires a 2-year history of overtime before it counts toward qualifying income. Here's how it's calculated.
FHA Loans
When a family member sells below market value, the difference can count as your down payment on an FHA loan.
FHA Loans
100% of your FHA down payment can come from a gift. Here are the documentation rules and common mistakes to avoid.
FHA Loans
Missing or damaged railings are one of the most common FHA appraisal fail items. Here's what's required.
FHA Loans
Yes. FHA allows 2 to 4 unit properties if you live in one of them, and rental income from the other units can help you qualify.
FHA Loans
An FHA denial isn't the end. Here are the most common reasons and exactly what to do to get approved next time.
FHA Loans
Collections under $2,000 may not need to be paid. Here's how FHA handles collections, charge-offs, and judgements.
FHA Loans
Generally one, but there are exceptions for relocation, growing families, and co-borrowers.
FHA Loans
Yes. FHA loans are assumable, and in a high-rate market that is a real advantage for both the seller and the buyer.
FHA Loans
Yes, but the property must meet FHA minimum property requirements. REO homes, HUD homes, and 203(k) are all options.
FHA Loans
Yes, if it sits on a permanent foundation, has a HUD tag, and is titled as real property. Here are the full requirements.
FHA Loans
A non-occupying co-borrower can help you qualify for FHA. Here's who qualifies, the down payment rules, and when it helps.
FHA Loans
FHA requires 3.5% down, but gift funds and down payment assistance can cover all of it, which puts zero out of pocket on the table.
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Real families we have helped get from pre-approval to keys in hand.
A soft credit check tells you what you qualify for before anyone pulls hard credit. If the numbers say wait, I will tell you that too, and then we make a plan to fix whatever is in the way.
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