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Lucytinaa, Home Buyer in Dallas, TX
Lucytinaa answered:
One day away from closing and my loan officer calls to tell me we cant close becasue they do not have an FHA case number!
One of the first things that is done is to get a FHA case number and when they do, it would show if you qualified for the program or not. It would be inconceivable and almost impossible ... more
0 votes Share Flag A few minutes ago Home Buying in Minnesota
Bobbie.tony, Home Buyer in Fort Worth, TX
Bobbie.tony answered:
Can my FHA application loan case number be transferred from one lender to another?
It can happen in seconds if the original lender is cooperative. It is just a matter of going into the system and transferring the number to the new lender.

Sure You will figure it o ... more
0 votes Share Flag A few minutes ago Home Buying in Phoenix
Lucytinaa, Home Buyer in Dallas, TX
Lucytinaa answered:
If a property's FHA approval is about to expire, will my sale be valid if I have an FHA case number assigned before the expiration?
To be honest, I don't know how they will handle the case numbers already in effect, but lets assume the worst for a moment. The case numbers last for 6 months, so even if you canceled n ... more
0 votes Share Flag A few minutes ago Home Buying in Atlanta
Lucytinaa, Home Buyer in Dallas, TX
Lucytinaa answered:
Can a FHA purchase agreement addendum be added to the contract one week before closing? if we (the sellers) do not sign are we in breach of contract?
It is okay to sell a home "As-Is" and get an FHA loan as long as it meets FHA standards. Check with a local professional about the repairs that may be required for an FHA loan. That sho ... more
0 votes Share Flag A few minutes ago Home Selling in Texas
jkiragfcddg, Home Seller in New York, NY
jkiragfcddg asked:
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0 votes Share Flag A few minutes ago Home Buying
Bobbie.tony, Home Buyer in Fort Worth, TX
Bobbie.tony answered:
could i buy a multi-family up to 3-4 units with an fha mortgage and only have to qualify for the portion which would be my primary residence?
Multi-family can be defined as two, three or four units. More than four units is commercial.

You can qualify for a FHA loan to buy a duplex, triplex or 4plex as long as you live in o ... more
0 votes Share Flag A few minutes ago Financing in 89130
Bobbie.tony, Home Buyer in Fort Worth, TX
Bobbie.tony answered:
How does the home warranty work on a REO with a FHA loan?
Unlike a tenant/landlord scenario, if something needs repaired/replaced it will be your responsibility. Hopefully your sales contract has a Home Warranty provided for the first year by ... more
0 votes Share Flag A few minutes ago Home Selling in Antioch
Steave Wouha, Home Buyer in New York, NY
Steave Wouha asked:
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0 votes Share Flag A few minutes ago Home Buying in 12345
Shellymaei, Home Buyer in Fort Worth, TX
Shellymaei answered:
what type of home insurance is required for a fha loan?
Mortgage lenders require homeowners to carry homeowners insurance. There are a number of reasons for this but the most important one is that your lender will want your home rebuilt in c ... more
0 votes Share Flag A few minutes ago Home Insurance in 55349
Shellymaei, Home Buyer in Fort Worth, TX
Shellymaei answered:
Which loan is better, an FHA loan or a VA loan? How long does it usually take to close a VA approved loan?
"Both FHA and VA have up front fees that are added to the loan amount, while conventional loans do not.

They also require less of a down payment than conventional loans, zero for VA ... more
0 votes Share Flag A few minutes ago Home Buying in Queens
Shellymaei, Home Buyer in Fort Worth, TX
Shellymaei answered:
I have an FHA loan on my home. I am planning to move and rent my home, I called my mortgage company and they told me I could not rent my property
Typically lenders will want to see 2 years of schedule E's filed on the rental property but there are lenders that will take one year of Schedule E PLUS proof that the lease runs thru o ... more
0 votes Share Flag A few minutes ago Home Buying in 60622
Steave Wouha, Home Buyer in New York, NY
Steave Wouha asked:
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0 votes Share Flag A few minutes ago Home Buying in 12345
Shellymaei, Home Buyer in Fort Worth, TX
Shellymaei answered:
Using rental income when getting a mortgage approved?
Typically lenders will want to see 2 years of schedule E's filed on the rental property but there are lenders that will take one year of Schedule E PLUS proof that the lease runs thru o ... more
0 votes Share Flag A few minutes ago Financing in Chicago
Gaylepat, Home Buyer in Dallas, TX
Gaylepat answered:
FHA lending guidelines - offset carry with rental income
The underwriter will take the two year average of total rents minus total expenses (not including depreciation or amortization). Odds are a significant amount of your expense is in depr ... more
0 votes Share Flag A few minutes ago Financing in Hoboken
Gaylepat, Home Buyer in Dallas, TX
Gaylepat answered:
Question regarding FHA loans and rental income...
The only other way would be to demonstrate a 2-year history as a landlord with your tax returns and evidencing a profit that covers the mortgage payment.

Unfortunately, lending has t ... more
0 votes Share Flag A few minutes ago Financing in Chicago
Gaylepat, Home Buyer in Dallas, TX
Gaylepat answered:
Qualifying for an FHA loan, while holding a convential loan on a rental unit.
FHA guidelines will allow you to use an FHA loan for a second home as long as it is your primary residence. So in other words, you can definitely get an FHA loan even though it is your ... more
0 votes Share Flag A few minutes ago Financing in Swampscott
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