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Fha identity of interest form

Fha identity of interest form 2025

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The document is a certification form for borrowers applying for FHA financing, detailing the concept of 'identity of interest' where the buyer and seller have a relationship. It outlines loan-to-value restrictions based on whether the borrower has an identity of interest with the seller, specifying different limits for owner-occupied versus non-occupying properties. The document also includes a warning about the legal consequences of providing false information.

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What is an identity of interest form?

What is an Identity of Interest? CalHFA defines an Identity of Interest as any person or entity that has any financial interest in the Development and in any entity providing services for a fee to the Development.

What is the FHA settlement certification?

Its a standard document that must be signed by all borrowers on or before closing day. It discloses information about the loan, such as the amount being borrowed and the mortgage insurance premiums. The Settlement Certification is a document that must be signed by both the home buyer (borrower) and the seller.

What is the FHA real estate certification?

The FHA Amendatory Clause and Real Estate Certification often go hand in hand. The real estate certification form states that those signing the sales contract acknowledge the terms and conditions of the sale as laid out in the sales agreement.

What is the maximum LTV for identity of interest?

The maximum LTV for Identity of Interest transactions on primary residences is 85% and 100% CLTV. The maximum LTV for a transaction where a tenant-landlord relationship exists at time of contract execution is 85%.

What does FHA consider an identity of interest?

FHA defines an Identity of Interest as any relationship where the purchaser and seller are related, and/or affiliated through a business relationship. This could, for example, be parent/child as buyer/seller, corporation selling to an employee, persons who are partners in other projects as buyer/seller.