FHA Loans for Self-Employed Borrowers: 7 Strategies for Choosing a Lender Who Will Approve Your Income
A practical guide to best self-employed borrowers lenders.
FHA Work Visa Home Loan: Can You Qualify With an H-1B or Other Work Visa?
A practical guide to work visa home loan.
Short Sale Impact on Credit: What It Does to Your Score and Your FHA Loan Options
A short sale can lower your credit score noticeably and stay on your report for up to seven years, but it is generally less damaging than foreclosure. This guide explains the short sale impact on credit, how FHA underwriters view it, the FHA waiting period (sometimes none), and how to rebuild and buy again.
FHA Mortgage for Retirees: 7 Strategies to Qualify Using Retirement Income
FHA has no maximum age, so the real hurdles for a mortgage for retirees are income documentation, income continuance, and debt-to-income ratio. This guide walks through seven strategies for documenting Social Security, pension, annuity, and IRA income so retirees and near-retirees can qualify for an FHA loan on a first or downsized home.
How to Use Rental Income for FHA Mortgage Qualification: A Step-by-Step Guide
This step-by-step guide shows FHA buyers how rental income mortgage qualification works, whether the rent comes from a 2-4 unit home you will occupy, a property you already own, or a home you are leaving. You will learn which rent counts, how underwriters reduce it, and how it changes your debt-to-income ratio.
FHA Loan Limit Trends and Buying Power in 2026
FHA loan limit trends for 2026 explain how county caps, FHA mortgage insurance, and 3.5% down shape your buying power before you shop for a home today.
How to Get an Employment Verification Letter for an FHA Mortgage
An employment verification letter mortgage file is a common cause of last-minute FHA underwriting delays. This step-by-step guide shows how to confirm FHA job-history requirements, request the right documents from your employer, and assemble a complete package that matches your pay records.
FHA Loan Limits vs. Conforming Loan Limits: How the 2026 Numbers Work
Conforming loan limits are set by FHFA for Fannie Mae and Freddie Mac, while FHA loan limits are derived from them by formula and set county by county. This guide explains how the 2026 numbers connect, from the $541,287 floor to the $1,249,125 high-cost ceiling, and what they mean for a Virginia buyer using an FHA purchase mortgage.
FHA ITIN Mortgage Lenders: 6 Strategies to Find the Right Lender and Get Approved
FHA loans generally require a valid Social Security number and lawful residency, so an ITIN alone does not qualify a borrower. This guide explains how FHA rules apply to Itin mortgage lenders and walks through six strategies for confirming eligibility, vetting lenders, and building toward an FHA approval.
FHA Loan With Collections on Your Credit Report: What Mortgage Underwriters Actually Require
Collections on credit report mortgage questions come up for most FHA buyers, and HUD rules often let borrowers close without paying them off. This guide explains how FHA underwriting treats collections, how credit score tiers interact with them, whether to pay, settle, or leave accounts alone, and which documents underwriters request.