Home
Forms Library
FHA Underwriting Guidelines

FHA Underwriting Guidelines 2025

FHA Underwriting Guidelines Preview on Page 1

See details

4.7 out of 5

36 votes

The document outlines the FHA Underwriting Guidelines for Michigan Mutual, Inc., detailing the requirements and restrictions for various loan types including purchase, refinance, and streamline loans. It covers aspects such as loan eligibility, collateral requirements, credit and income documentation, appraisal processes, and specific guidelines for properties in disaster areas. The guidelines emphasize adherence to FHA standards while allowing for certain exceptions based on individual borrower circumstances.

Here's how it works

01. Edit your form online

Type text, add images, blackout confidential details, add comments, highlights and more.

02. Sign it in a few clicks

Draw your signature, type it, upload its image, or use your mobile device as a signature pad.

03. Share your form with others

Send it via email, link, or fax. You can also download it, export it or print it out.

How to use or fill out FHA Underwriting Guidelines with DocHub

Ease of Setup

DocHub User Ratings on G2

Ease of Use

DocHub User Ratings on G2

Click ‘Get Form’ to open the FHA Underwriting Guidelines in our platform.
Begin by reviewing the Table of Contents to familiarize yourself with the sections, such as Loan Requirements and Collateral Requirements.
Fill out personal information in the designated fields, ensuring accuracy in your name, address, and contact details.
Proceed to complete sections related to Loan Requirements. Pay attention to specific criteria like credit score and loan amount limits.
Utilize our editor's commenting feature to add notes or questions for each section as you go along, ensuring clarity on requirements.
Once all fields are filled, review your entries for completeness and accuracy before saving or sharing the document.

Start using our platform today for free to streamline your completion of the FHA Underwriting Guidelines!

be ready to get more

Complete this form in 5 minutes or less

Get form

Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What will disqualify you from FHA?

FHA Credit Requirements for 2025 ▶ FHA Loan applicants must have a minimum FICO score of 580 to qualify for the low down payment advantage which is currently at 3.5%. If your credit score is below 580, the down payment requirement is 10%. You can see why its important that your credit history is in good standing.

What are the underwriting requirements for an FHA loan?

Here are some of the things the FHA underwriter will look for during this process: Applicants credit score. Debt-to-income ratio. Employment history. Income documentation. Property appraisal. Loan-to-value ratio. Compliance with FHA guidelines. Borrowers financial reserves.

Try more PDF tools