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Good day. I have a question about FHA or Conventional underwriting guidelines for a purchase mortgage.
Can you give me some details on how a person might get approved for a mortgage while there is a federal tax lien on their credit report? The IRS has issued a Special Information publication on their treatment of Fed Tax Liens indicating that they are not intended to prevent a primary purchase mortgage. The publication is available on the IRS website at http://www.irs.gov/pub/irs-pdf/p785.pdf. Please advise on required credit score, D/I ratio and whether it is possible to get approved on conventional and/or FHA, and what the allowable purchase LTV is? I look forward to your response.
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