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Borrower Eligibility
Are citizens of Micronesia, the Marshall Islands or Palau eligible for an FHA-insured mortgage?
Are Deferred Action for Childhood Arrivals (DACA) recipients eligible for FHA-insured mortgages?
Are there age requirements for borrowers using FHA financing?
Can a borrower with a portfolio of rental properties use FHA financing if they have no other FHA loans?
Can a lender collect mortgage payments in advance?
Can a person get an FHA insured loan in the name of a business?
Can a person have more than one FHA loan?
Can a person living outside the U.S. be a Non-occupying co-Borrower?
Can I rent back the property to the seller after closing to accommodate scheduling issues?
Can I use FHA financing to acquire a Secondary Residence?
Can investors assume FHA loans?
Can lenders process loans for HUD employees?
Do borrowers have to be U.S. citizens to qualify for FHA financing?
Does FHA allow investor participation in the 203(k) or Limited 203(k) programs?
Does FHA have cash reserve requirements?
Does FHA require a minimum credit score and how is it determined?
Does HUD/FHA offer mortgage products that are exempt from the Qualified Mortgage (QM) rule?
How do HUD Qualified Mortgage requirements compare to the CFPB requirements?
How do I document employment for non-permanent resident aliens?
How do I pay off or resolve my delinquent federal debt that was a result of a previous FHA loan?
How do I perform a search of the GSA List of Parties excluded from Federal government programs?
How does a Mortgagee determine whether the borrower or other parties to the transaction are excluded from participating in HUD programs?
How does CFPB define rebuttable presumption and safe harbor mortgages and how is HUD QM different?
How does FHA define owner occupant?
How does FHA define principal residence?
If a borrower terminates the Forbearance Plan obtained due to COVID-19 prior to the end of the forbearance period, can they still qualify for an FHA-insured Mortgage?
Is a borrower eligible if they have a delinquent Federal debt but have a clear CAIVRS?
Is a borrower who was granted forbearance with reduced mortgage payments, but did not make the payments according to the terms of Forbearance Plan, eligible for a new FHA-insured loan?
Is a social security number required to obtain an FHA loan?
Is housing counseling required for a borrower to obtain an FHA mortgage?
Is there a minimum distance a borrower must relocate before a second FHA loan can be obtained?
Must a Borrower be on the title to the property?
What are the distinctions within HUD QM?
What are the general requirements for determining housing payment history delinquencies for the purpose of loan underwriting, when a mortgage is under a Forbearance Plan due to COVID-19?
What are the guidelines for borrowers with a short sale on a previous residence?
What are the guidelines for co-Borrowers and Co-signers?
What are the maximum qualifying ratio requirements for manually underwritten loans?
What is a HUD Qualified Mortgage (QM)?
What is considered a minimal increase in housing payment on a manually underwritten loan?
What is meant by Seven-Unit Limitation?
What is the FHA definition of a manually underwritten loan?
What is the threshold for a HUD Rebuttable Presumption Qualified Mortgage?
What is the threshold for a HUD Safe Harbor Qualified Mortgage?
What points and fees are included in the points and fees threshold calculation?
When can "no discretionary debt" be used as a compensating factor on a manually underwritten loan?
Who must sign the identity-of-interest certifications on a 203(k) Mortgage?
Why didn't HUD issue a different points and fees threshold or calculation?
Why has the rule been drafted with this change to the rebuttable presumption definition?
Why not make all FHA insured mortgages Safe Harbor?