Back to Results
Please enter a valid email address.
Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.
We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.
Please enter text in the "Enter the text to display" field.
Please enter text in the "Enter URL" field.
Please enter a valid URL.
Please insert a video embed only
Just to clarify, and overlay is a rule or restriction over and above what FHA (or FNMA, FHLMC, etc.) rules allow. The biggest problem with overlays is it's not like they are universal or consistent. On the contrary, they are often strange and sporadic. Based on what you posted you really shouldn't have much trouble qualifying to buy, but that doesn't mean overlays won't be an issue.
What you will be most likely to have problems with will relate to the home you want to buy. Things like unpermitted improvements, property flipping, property condition or appraisal requirements will be the things you need to watch out for. The important thing is that not only do you need a good lender who will do the research (any loan officer out there who says they know it all is a fool,) you need a good Realtor who will be able to identify potential issues and run them by the lender as early in the process as possible.
Zillow Advice depends on each member to keep it a safe, fun, and positive place. If you see abuse, flag it. More on our Good Neighbor Policy.
For Sale: $2,700
For Sale: $209,900
For Sale: $179,900