12–24 Months: FHA Bankruptcy Waiting Periods U.S. Lenders Use
Clear FHA bankruptcy timelines for U.S. borrowers: when 12 months or two years apply, what lenders look for, and exact documents to prepare.
News and Blog Articles
75% Rent Rule: Run FHA Self Sufficiency Test Before Offering in Texas
Run the FHA self sufficiency math before you offer. See the 75% rent rule, expected appraisal fees, and three months of PITI reserves Texas lenders check.
Protect Home Equity: Limit Reverse Mortgage Interest for Seniors 62+
U.S.-focused explainer for seniors 62+: how reverse mortgage interest compounds, HUD/FHA protections, IRS tax timing, and concrete steps to limit interest…
Expect 2%–5% in Texas Closing Costs: State Rules and County Tax Swings
Texas buyers usually pay 2%–5% of a home’s price in closing costs. Learn how state set title premiums, county tax escrows, and lender fees change your…
Find Your Texas FHA Loan Limit Fast: 254 Counties for 2026
The 2026 FHA one-unit loan limit floor is $541,287, and the ceiling is $1,249,125, effective for case numbers assigned on or after January 1, 2026. HUD Mortgagee Letter 2025-23] Most Texas counties sit at that floor, but 25, including the Austin, Dallas-Fort Worth, and San Antonio metro groups plus Glasscock County, allow more. Check your … Read more
Texas First-Time Homebuyer Programs
Texas First-Time Homebuyer Programs: How to Qualify and Apply Texas offers two main paths to first-time homebuyer assistance: statewide programs through TDHCA (My First Texas Home and My Choice Texas Home) and nonprofit grants through TSAHC. Your fastest next step is to take an eligibility quiz or call an approved lender that works directly with … Read more
What FHA Identity of Interest Means for Your Down Payment
Discover how FHA identity of interest affects your down payment, and learn how to secure lower rates when buying from family or friends.
Getting a 1099 Mortgage: Qualifying With Freelance Income
Learn how to qualify for a 1099 mortgage with freelance income using tax returns and bank statements, unlocking your homeownership potential.
Does FHA Accept Part-Time Income for Mortgage Qualifying?
Discover how FHA lenders accept part-time income for mortgage qualifying. Learn what documentation you need to support your application.
FHA Income Requirements: What Texas Buyers Need to Qualify
Learn how to meet FHA income requirements in Texas, focusing on qualifying ratios, income stability, and essential documentation.