Collection Accounts and FHA Mortgage Approval: What Buyers Need to Know
FHA mortgage guidelines under HUD Handbook 4000.1 do not automatically disqualify borrowers with collection accounts — medical collections are fully excluded, and non-medical balances under $2,000 face no mandatory payoff requirement. This article breaks down exactly how underwriters handle collection accounts so FHA buyers can approach approval with a clear, realistic strategy.
Divorce Impact on Your FHA Mortgage Application: What Every Borrower Needs to Know
Divorce rewrites your financial profile overnight, but it doesn’t disqualify you from an FHA loan. This guide explains exactly how lenders evaluate divorce decrees, alimony, joint debts, and credit history so post-divorce borrowers can walk into their FHA mortgage application fully prepared.
Virginia FHA Loan Limits for 2026 Buyers
Virginia FHA loan limits vary by county. See how the 2026 cap, 3.5% down, mortgage insurance, and a soft-pull pre-approval affect your purchase in Virginia.