31 and 43: The Two Numbers That Almost Killed Donna's FHA Loan
31 and 43: the FHA debt ratio rule that decides manual vs TOTAL AUS outcomes. Donna's story breaks down what every FHA borrower should ask.
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Eleven Days From Closing: The Rental Income Rule That Almost Cost Alexandra Her Edisto Beach Purchase
A buyer near Edisto Beach was 11 days from closing when a rental income error surfaced. Here's the FHA rule for properties without rental history.
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Everyone Says You Need Two Years of Tax Returns for FHA. That's Not the Full Rule.
Think FHA requires two years of tax returns for self-employed borrowers? Learn the actual HUD 4000.1 rule and what it means for your application.
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How Scott Went From a Denied FHA Loan to Clear-to-Close With an Active IRS Tax Lien
Scott had an IRS tax lien and got denied for FHA. Three months later he closed. Here's the exact FHA rule on tax debt most loan officers explain wrong.
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Everyone Says You Need a 620 Score to Buy a House. Here's the Rule That Actually Applies
Everyone says you need a 620 score to buy. The real FHA rule starts at 500. See what actually determines your LTV tier and down payment.
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Naomi Almost Lost Her Folly Beach Cottage Over Debt That Wasn't Debt
A buyer near Folly Beach nearly lost her contract over debt that FHA rules say shouldn't count. Learn what obligations are excluded from your DTI.
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If You're in Credit Counseling and Think That Means No FHA Loan, Here's Why That's Not True
If you're in credit counseling and think that blocks an FHA loan, here's the exact HUD rule that says otherwise, plus what to say to your lender.
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If You Filed Chapter 13 Bankruptcy, Here's When Your FHA Clock Actually Starts
FHA's Chapter 13 two-year clock starts at your discharge date, not your filing date. See Gianna's story and what to check today.
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Pam Was Three Weeks From Closing Near Isle of Palms When a Car Payment Almost Killed Her FHA Loan
Pam nearly lost her FHA loan over a co-signed car payment. Learn the exact FHA rule that can exclude contingent liabilities from your DTI.
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3.5 Percent: The FHA Cash-to-Close Number That Almost Stopped Gregory's Home Purchase
3.5 percent almost stopped Gregory's FHA home purchase. Learn the real difference between Minimum Required Investment and FHA reserve requirements.