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FHA mortgages can be easy to qualify for regardless of your credit score. FHA allows bad credit and you need virtually no equity to qualify for a government refinance.

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FHA Credit Approval/ Score-Card

FHA paperwork electronically, the FHA TOTAL Scorecard is used to measure the credit risk of all FHA loans submitted through the automatic underwriting system. Your FHA loan is processed through a qualified and approved FHA lender. Applications submitted through FHA TOTAL are evaluated by a standardized scoring procedure creating a quick, fair and seamless evaluation. The FHA's TOTAL system is internet based and works in real time.


Get More info from FHA Experts on
Home Loans for All Types of Credit

No Cost and No Obligation to Apply.
3 out 4 applications are approved.

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Filling out this form puts you under no obligations. By clicking "Get Started" I am consenting to have my information shared with one to four brokers or lenders and other business partners and for them to contact you (including through auto means; ie. autodialing, text & pre-recorded messaging) via telephone, mobile device and email, even if your telephone number is currently listed on any state, federal or corporate Do Not Call list.

Compensating Factors

Borrower Name
Housing To Income Ratio [ 0 ] 36.01 - 38.00%
Debt To Income Ratio [ 0 ] 46.01 - 48.00%
Loan To Value [ 0 ] > 95.00% LTV and all cash-out refis
Reserves After Closing [ 0 ] Less Than One Month PITI Reserves
Average Middle Credit Score [ 0 ] 560 - 599 (or no credit scores for any borrower)
Monthly Payments Increase / Decrease [ 0 ] Payments increasing by less than 100%
HUD Pre-Purchase Counseling [ 0 ] Did not attend HUD Pre-Purchase Counseling
Previous Bankruptcy [ 0 ] No bankruptcies OR discharged more than 7 years
Previous Forclosure [ 0 ] No foreclosures OR completed more than 7 years
Stability of Employment [ 0 ] Less than 2 years on current job
Part-Time Job History [ 0 ] No part-time income unsed with <1 year history
Mortgage Lates [ 0 ] No lates in last twelve months
Purpose of Loan [ 0 ] Purchase or any cash-out
Residual Monthly Income [ 0 ] $1,000 less Piti less $500 borrower less $250 per child
    The interest rates for FHA refinance and home purchase loans remain competitive and comparable to conventional Fannie Mae mortgage rates. The 15-year rates are available today at 2.875% and the 30-year rates have fallen to 3.625% on loans that are insured by the FHA.   Borrowers are given fixed rate grace with exceptions for qualifying made for borrowers who were not late prior to their mortgage adjusting.  

© 2008 to 2013 - FHAHomeLoanRefinancing.com - This is a website and does not guarantee loans online. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z nor a commitment to lend. Certain restrictions and requirements may apply. - Site Disclosures

FHA Home Loan Refinancing Corporation, 3 Mason, Ste B, Irvine California 92618
California FHA Loan Limits | FHA Refinance Rate | FHA Refinancing with Bad Credit Scores | Choosing the Best FHA Refinance Loans | Closing Costs on FHA Mortgage Loans | FHA Refinance Requirements 2014 | FHA Loan Requirements in 2014