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Credit History/Credit Report
Can a credit report supplement be used to verify amounts and dates of mortgage payments made during a forbearance or loan modification period?
Can a lender use foreign sources to help establish the credit, including the nontraditional credit, of a borrower?
Can I get a single credit report for unmarried co-borrowers?
Can I still obtain an FHA insured loan if my loan was denied through FHA TOTAL Scorecard?
Do I have to consider the credit and debts of a non-purchasing spouse in a community property state?
Does FHA require collections to be paid off for a borrower to be eligible for FHA financing?
For whom must the Lender obtain a credit report?
Has FHA made any policy changes in response to the changes to the reporting of civil judgments and tax liens on credit reports?
How are disputed credit accounts considered for manually underwritten loans?
How are disputed credit accounts considered when using the TOTAL Scorecard?
How are judgments considered for FHA financing when manually underwriting a mortgage?
How does a bankruptcy affect a borrower's eligibility for an FHA mortgage?
How long is credit documentation valid?
Is a borrower eligible for an FHA loan if the borrower has participated in consumer credit counseling?
Is a borrower eligible for FHA insured financing if he or she does not have any credit history?
Is a copy of the Forbearance Plan required if the loan went into forbearance due to COVID-19?
Is a foreclosure on a timeshare considered a mortgage foreclosure or installment loan?
Is a subordination agreement required if the borrower has an outstanding tax lien?
Is a verification of rent or mortgage required?
Must a collection previously reported as a charge off be included in credit and capacity analysis?
Must the borrower pay off a judgment against a non-purchasing spouse in a community property state?
What are FHA's policies regarding credit history when manually underwriting a mortgage?
What are FHA's policies regarding credit history when using the TOTAL scorecard?
What are the credit report requirements for a manually underwritten mortgage?
What are the credit report requirements when using the TOTAL Mortgage Scorecard?
What are the guidelines for borrowers with a previous foreclosure or deed-in-lieu of foreclosure?
What is FHA’s policy when manually underwriting a mortgage where a borrower has been granted a Forbearance?
When using TOTAL Scorecard, what are FHA’s policies on a purchase, no cash-out, or cash-out refinance when a borrower has been granted a Forbearance?