Zillow Advice: Mortgage - How do you qualify for a FHA Loan? http://www.zillow.com/advice-thread/How-do-you-qualify-for-a-FHA-Loan/367902/ Zillow Advice | Zillow Real Estate TRYING TO REFINANCE IN MY ... http://www.zillow.com/advice-thread/How-do-you-qualify-for-a-FHA-Loan/367902/ TRYING TO REFINANCE IN MY NAME TO GET LOWER PAYMENTS Tue, 28 Sep 2010 03:41:00 GMT http://www.zillow.com/advice-thread/How-do-you-qualify-for-a-FHA-Loan/367902/ 2010-09-28T03:41:00Z wife has an FHA loan can ... http://www.zillow.com/advice-thread/How-do-you-qualify-for-a-FHA-Loan/367902/ wife has an FHA loan can i HUSBAND qualify for an FHA LOAN Tue, 28 Sep 2010 03:39:00 GMT http://www.zillow.com/advice-thread/How-do-you-qualify-for-a-FHA-Loan/367902/ 2010-09-28T03:39:00Z Hi there -- Kirsten just ... http://www.zillow.com/advice-thread/How-do-you-qualify-for-a-FHA-Loan/367902/ <p>Hi there -- Kirsten just about covered everything - that was great.<br/>I just wanted to let you know of a situation I ran into re: pulling your own credit.&nbsp; I had a customer that pulled their own credit and got a credit score of 589 mid score.&nbsp; They spent a lot of money to pay down their credit cards and were frustrated that&nbsp; their score was only 597 mid score.&nbsp; They came to one of my credit fix classes and I ran their credit the same day and got a 634 mid score.&nbsp; So for whatever reason the credit report that we as lenders pull are different.&nbsp; For this reason you might consider getting a lender to assist you before spending a lot of money or time on a self generated report.&nbsp; Needless to say my customer got to do their loan immediately.&nbsp;<br/>Sincerely,<br/>Celia</p> Mon, 27 Sep 2010 22:28:00 GMT http://www.zillow.com/advice-thread/How-do-you-qualify-for-a-FHA-Loan/367902/ 2010-09-27T22:28:00Z To qualify for an FHA loan ... http://www.zillow.com/advice-thread/How-do-you-qualify-for-a-FHA-Loan/367902/ To qualify for an FHA loan you must show the following: &nbsp;1. steady employment (2 years is min with same company) with the same income or path to increasing your income; 2. show that you have good credit (again 2 year min); and 3. no bankruptcies or foreclosures within the last 3 years. <br/><br/>It's also important to start getting your paperwork together now so that you are not in a rush later. &nbsp;Paperwork for the last 2 years include: &nbsp;all addresses, employer information, your gross monthly salary, W2's and income tax forms.&nbsp;<br/><br/>I suggest that you get your annual free credit report (go to&nbsp;<strong><a href="http://www.annualcreditreport.com/" rel="nofollow">AnnualCreditReport.com</a></strong>&nbsp;for a real FREE report) and see where you stand. And talk to your neighbors, friends, co-workers, any of them will have a great mortgage broker or other loaning entity (depending on your state). &nbsp;The mortgage companies that I have worked with have been great teachers and helped me out immensely all along the way.&nbsp;<br/><br/><br/>Good Luck! Mon, 27 Sep 2010 16:39:00 GMT http://www.zillow.com/advice-thread/How-do-you-qualify-for-a-FHA-Loan/367902/ 2010-09-27T16:39:00Z Could you be more ... http://www.zillow.com/advice-thread/How-do-you-qualify-for-a-FHA-Loan/367902/ <p>Could you be more specific?<br/><br/><a href="http://www.fhaoutreach.gov/FHAHandbook/prod/contents.asp" rel="nofollow">http://www.fhaoutreach.gov/FHAHandbook/prod/contents.asp</a></p> Mon, 27 Sep 2010 16:29:00 GMT http://www.zillow.com/advice-thread/How-do-you-qualify-for-a-FHA-Loan/367902/ 2010-09-27T16:29:00Z