FHA loan guides, requirements, and tips for Louisiana buyers.
Credit score minimums, down payment rules, and the local factors — flood zones, insurance costs, older homes — that affect FHA approval in Louisiana.
FHA appraisals check both value and property condition. Here's what appraisers look for, common fail items, and how to prepare.
Yes — but FHA uses net income from tax returns, not gross revenue. Here's how self-employed borrowers qualify.
FHA restricts purchases of recently flipped properties. Here's the 90-day rule, exceptions, and how to work around it.
Buying from a family member with FHA? The identity of interest rule may require a larger down payment — with key exceptions.
The FHA amendatory clause protects buyers if the appraisal comes in below the purchase price. Here's how it works.
FHA requires a 2-year history of overtime before it counts toward qualifying income. Here's how it's calculated.
When a family member sells below market value, the difference can count as your down payment on an FHA loan.
100% of your FHA down payment can come from a gift. Here are the documentation rules and common mistakes to avoid.
Missing or damaged railings are one of the most common FHA appraisal fail items. Here's what's required.
Yes — FHA allows 2-4 unit properties if you live in one unit. Use rental income from the other units to help qualify.
An FHA denial isn't the end. Here are the most common reasons and exactly what to do to get approved next time.
Collections under $2,000 may not need to be paid. Here's how FHA handles collections, charge-offs, and judgements.
Generally one — but there are exceptions for relocation, growing families, and co-borrowers.
Yes — FHA loans are assumable. In a high-rate environment, this can be a major advantage for sellers and buyers.
Yes, but the property must meet FHA minimum property requirements. REO homes, HUD homes, and 203(k) are all options.
Yes — if it's on a permanent foundation, has a HUD tag, and is titled as real property. Here are the full requirements.
A non-occupying co-borrower can help you qualify for FHA. Here's who qualifies, the down payment rules, and when it helps.
FHA requires 3.5% down — but gift funds and DPA programs can cover it all, making zero out-of-pocket possible.
VA loan guides for Louisiana veterans and active duty service members.
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USDA loan eligibility, requirements, and rural area guides for Louisiana.
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Conventional loan guides, PMI, and comparison resources.
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DSCR loan guides and real estate investor financing strategies.
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First-time homebuyer guides, down payment assistance, and getting started.
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When to refinance, cash-out vs rate-and-term, and refinance strategies.
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Louisiana mortgage rates, market updates, and local insights.
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Credit scores, closing costs, pre-approval, and general mortgage education.
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