Very good answers below! If they are PUD's- No need to be FHA approved! One other thing to note: FHA is not your only option. If you have 5% plus closing costs you may be able to qualify for a Single Premium Mortgage Insurance program that will eliminate your monthly mortgage insurance payment and save you a substantial amount of money over 5 yrs. This is another option compared to FHA.
If you need further information please let me know!
Home Mortgage Consultant
Land Home Financial
(415) 271-7740 direct
Better Homes and Gardens Tri-Valley Realty