An FHA loan is a mortgage issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). Designed for low-to-moderate income borrowers, FHA loans require a lower minimum.

Handbook 4000.1, FHA Single Family Housing policy handbook (full text). When qualifying a self-employed borrower for a mortgage loan, Three and Four unit properties have additional guidelines for self-sufficiency.

FHA Guidelines On Mortgage After Loan Modification requires a mandatory one year waiting period after loan modification to qualify for FHA Loan.

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