FHA Questions Answered, With the Guideline Cited

A closer look at why FHA disqualifies certain down payment sources and how to structure builder or seller help so it still works.

Chapter 7 and Chapter 13 bankruptcy are treated the same under FHA's two-year discharge rule. Here's exactly how the timeline and manual underwriting work.

The FHA commission income rule explained: one year of history, not two, and the exact calculation lenders must use. Know the difference before you apply.

FHA's 500/580/620 credit thresholds carry over unchanged to VantageScore 4.0, per HUD guidance. Here's what actually changed and what didn't.

HUD 4000.1 requires lenders use your CURRENT LES to calculate military income on FHA loans. Here's the exact rule and how to apply it correctly.

The FHA 90/180-day flipping rule explained in plain terms, plus the exact question to ask before offering on a recently resold home.

FHA case number assignment date, not closing date, decides when VantageScore 4.0 and 10T models apply starting January 1, 2027. Here's the detail to check.

If someone offered to help with your FHA down payment, here's the exact gift letter checklist underwriters require before you deposit funds.

FHA caps non-occupying co-borrower LTV at 75%, unless you're a Family Member. Here's exactly how that exception works and when it doesn't apply.

A deep dive into FHA's Identity-of-Interest LTV cap, the six-month tenancy exception, and the documentation underwriters actually want to see.