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Submitted URL: https://www.gcamortgage.com/hud-chapter-13-guidelines-with-late-payments/#:~:text=Late%20payers%20during%20Chapter%2013,plan...
Effective URL: https://www.gcamortgage.com/hud-chapter-13-guidelines-with-late-payments/
Submission: On November 14 via manual from US — Scanned from DE
Effective URL: https://www.gcamortgage.com/hud-chapter-13-guidelines-with-late-payments/
Submission: On November 14 via manual from US — Scanned from DE
Form analysis 4 forms found in the DOM
GET https://www.gcamortgage.com/
<form role="search" method="get" action="https://www.gcamortgage.com/" class="wp-block-search__button-outside wp-block-search__text-button wp-block-search"><label class="wp-block-search__label" for="wp-block-search__input-1">Search</label>
<div class="wp-block-search__inside-wrapper "><input class="wp-block-search__input" id="wp-block-search__input-1" placeholder="" value="" type="search" name="s" required=""><button aria-label="Search"
class="wp-block-search__button wp-element-button" type="submit">Search</button></div>
</form>POST /hud-chapter-13-guidelines-with-late-payments/#wpcf7-f834-o1
<form action="/hud-chapter-13-guidelines-with-late-payments/#wpcf7-f834-o1" method="post" class="wpcf7-form init" aria-label="Contact form" novalidate="novalidate" data-status="init">
<div style="display: none;">
<input type="hidden" name="_wpcf7" value="834">
<input type="hidden" name="_wpcf7_version" value="5.8.2">
<input type="hidden" name="_wpcf7_locale" value="en_US">
<input type="hidden" name="_wpcf7_unit_tag" value="wpcf7-f834-o1">
<input type="hidden" name="_wpcf7_container_post" value="0">
<input type="hidden" name="_wpcf7_posted_data_hash" value="">
</div>
<div class="apply_now_frm" id="webhook_test_field_val">
<h1>See if You Qualify in Just 5 Minute </h1>
<h4>See If You Pre-Qualify In Less Than 5 Minutes | Complete The Form Below: </h4>
<div class="inner_input_area_frm">
<div class="full_col">
<div class="two_col">
<p><span class="wpcf7-form-control-wrap" data-name="first-name"><input size="40" class="wpcf7-form-control wpcf7-text wpcf7-validates-as-required" aria-required="true" aria-invalid="false" placeholder="First Name" value="" type="text"
name="first-name"></span>
</p>
</div>
<div class="two_col">
<p><span class="wpcf7-form-control-wrap" data-name="last-name"><input size="40" class="wpcf7-form-control wpcf7-text" aria-invalid="false" placeholder="Last Name" value="" type="text" name="last-name"></span>
</p>
</div>
</div>
<div class="full_col">
<div class="two_col">
<p><span class="wpcf7-form-control-wrap" data-name="your-email"><input size="40" class="wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email" aria-required="true" aria-invalid="false"
placeholder="Your Email" value="" type="email" name="your-email"></span>
</p>
</div>
<div class="two_col">
<p><span class="wpcf7-form-control-wrap" data-name="phone"><input size="40" class="wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel" aria-required="true" aria-invalid="false"
placeholder="Phone Number" value="" type="tel" name="phone"></span>
</p>
</div>
</div>
<div class="full_col">
<div class="two_col">
<p><label class="OpenSans_bold">Select your State</label><br>
<span class="wpcf7-form-control-wrap" data-name="states"><select class="wpcf7-form-control wpcf7-select wpcf7-validates-as-required" aria-required="true" aria-invalid="false" name="states">
<option value="">Select Your State</option>
<option value="Alabama">Alabama</option>
<option value="Alaska">Alaska</option>
<option value="Arizona">Arizona</option>
<option value="Arkansas">Arkansas</option>
<option value="California">California</option>
<option value="Colorado">Colorado</option>
<option value="Connecticut">Connecticut</option>
<option value="Delaware">Delaware</option>
<option value="District Of Columbia">District Of Columbia</option>
<option value="Florida">Florida</option>
<option value="Georgia">Georgia</option>
<option value="Hawaii">Hawaii</option>
<option value="Idaho">Idaho</option>
<option value="Illinois">Illinois</option>
<option value="Indiana">Indiana</option>
<option value="Iowa">Iowa</option>
<option value="Kansas">Kansas</option>
<option value="Kentucky">Kentucky</option>
<option value="Louisiana">Louisiana</option>
<option value="Maine">Maine</option>
<option value="Maryland">Maryland</option>
<option value="Massachusetts">Massachusetts</option>
<option value="Michigan">Michigan</option>
<option value="Minnesota">Minnesota</option>
<option value="Mississippi">Mississippi</option>
<option value="Missouri">Missouri</option>
<option value="Montana">Montana</option>
<option value="Nebraska">Nebraska</option>
<option value="Nevada">Nevada</option>
<option value="New Hampshire">New Hampshire</option>
<option value="New Jersey">New Jersey</option>
<option value="New Mexico">New Mexico</option>
<option value="New York">New York</option>
<option value="North Carolina">North Carolina</option>
<option value="North Dakota">North Dakota</option>
<option value="Ohio">Ohio</option>
<option value="Oklahoma">Oklahoma</option>
<option value="Oregon">Oregon</option>
<option value="Pennsylvania">Pennsylvania</option>
<option value="Rhode Island">Rhode Island</option>
<option value="South Carolina">South Carolina</option>
<option value="South Dakota">South Dakota</option>
<option value="Tennessee">Tennessee</option>
<option value="Texas">Texas</option>
<option value="Utah">Utah</option>
<option value="Vermont">Vermont</option>
<option value="Virginia">Virginia</option>
<option value="Washington">Washington</option>
<option value="West Virginia">West Virginia</option>
<option value="Wisconsin">Wisconsin</option>
<option value="Wyoming">Wyoming</option>
</select></span>
</p>
</div>
<div class="two_col">
<p><label class="OpenSans_bold">Type of Loan*</label><span class="wpcf7-form-control-wrap" data-name="typeloan"><select class="wpcf7-form-control wpcf7-select" aria-invalid="false" name="typeloan">
<option value="">select</option>
<option value="Home Refinance">Home Refinance</option>
<option value="Condotel Financing">Condotel Financing</option>
<option value="Debt Consolidation">Debt Consolidation</option>
<option value="Home Equity">Home Equity</option>
<option value="FHA Loans">FHA Loans</option>
<option value="Foreign Nationals">Foreign Nationals</option>
<option value="VA Loans">VA Loans</option>
<option value="Jumbo Loans">Jumbo Loans</option>
<option value="Bankruptcy Loans">Bankruptcy Loans</option>
<option value="Commercial Loans">Commercial Loans</option>
<option value="Construction Loans">Construction Loans</option>
</select></span>
</p>
</div>
</div>
<div class="full_col">
<div class="two_col">
<p><label> Home Description*</label><br>
<span class="wpcf7-form-control-wrap" data-name="home_desc"><select class="wpcf7-form-control wpcf7-select" aria-invalid="false" name="home_desc">
<option value="">Select One</option>
<option value="Single Family">Single Family</option>
<option value="Multiple Family">Multiple Family</option>
<option value="Condominium">Condominium</option>
<option value="Townhouse">Townhouse</option>
<option value="Mobile/Restructured">Mobile/Restructured</option>
</select></span>
</p>
</div>
<div class="two_col">
<p><label>Your Credit Profile</label><span class="wpcf7-form-control-wrap" data-name="est_credit_score"><select class="wpcf7-form-control wpcf7-select" aria-invalid="false" name="est_credit_score">
<option value="">Select Credit Profile</option>
<option value="Excellent 720+">Excellent 720+</option>
<option value="Good 680-719">Good 680-719</option>
<option value="Fair 640-679">Fair 640-679</option>
<option value="Poor 580-639">Poor 580-639</option>
<option value="Bad < 579">Bad < 579</option>
</select></span>
</p>
</div>
</div>
<div class="full_col">
<div class="two_col">
<p><label class="OpenSans_bold">Loan Amount</label><span class="wpcf7-form-control-wrap" data-name="est_loan_amn"><select class="wpcf7-form-control wpcf7-select use_loan_amn" aria-invalid="false" name="est_loan_amn">
<option value="">Select One</option>
<option value="$40,000 - $50,000">$40,000 - $50,000</option>
<option value="$50,000 - $60,000">$50,000 - $60,000</option>
<option value="$60,000 - $70,000">$60,000 - $70,000</option>
<option value="$70,000 - $80,000">$70,000 - $80,000</option>
<option value="$80,000 - $90,000">$80,000 - $90,000</option>
<option value="$90,000 - $100,000">$90,000 - $100,000</option>
<option value="$100,000 - $110,000">$100,000 - $110,000</option>
<option value="$110,000 - $120,000">$110,000 - $120,000</option>
<option value="$120,000 - $130,000">$120,000 - $130,000</option>
<option value="$130,000 - $140,000">$130,000 - $140,000</option>
<option value="$140,000 - $150,000">$140,000 - $150,000</option>
<option value="$150,000 - $160,000">$150,000 - $160,000</option>
<option value="$160,000 - $170,000">$160,000 - $170,000</option>
<option value="$170,000 - $180,000">$170,000 - $180,000</option>
<option value="$180,000 - $190,000">$180,000 - $190,000</option>
<option value="$190,000 - $200,000">$190,000 - $200,000</option>
<option value="$200,000 - $210,000">$200,000 - $210,000</option>
<option value="$210,000 - $220,000">$210,000 - $220,000</option>
<option value="$220,000 - $230,000">$220,000 - $230,000</option>
<option value="$230,000 - $240,000">$230,000 - $240,000</option>
<option value="$240,000 - $250,000">$240,000 - $250,000</option>
<option value="$250,000 - $260,000">$250,000 - $260,000</option>
<option value="$260,000 - $270,000">$260,000 - $270,000</option>
<option value="$270,000 - $280,000">$270,000 - $280,000</option>
<option value="$280,000 - $290,000">$280,000 - $290,000</option>
<option value="$290,000 - $300,000">$290,000 - $300,000</option>
<option value="$300,000 - $310,000">$300,000 - $310,000</option>
<option value="$310,000 - $320,000">$310,000 - $320,000</option>
<option value="$320,000 - $330,000">$320,000 - $330,000</option>
<option value="$330,000 - $340,000">$330,000 - $340,000</option>
<option value="$340,000 - $350,000">$340,000 - $350,000</option>
<option value="$350,000 - $360,000">$350,000 - $360,000</option>
<option value="$360,000 - $370,000">$360,000 - $370,000</option>
<option value="$370,000 - $380,000">$370,000 - $380,000</option>
<option value="$380,000 - $390,000">$380,000 - $390,000</option>
<option value="$390,000 - $400,000">$390,000 - $400,000</option>
<option value="$400,000 - $410,000">$400,000 - $410,000</option>
<option value="$410,000 - $420,000">$410,000 - $420,000</option>
<option value="$420,000 - $430,000">$420,000 - $430,000</option>
<option value="$430,000 - $440,000">$430,000 - $440,000</option>
<option value="$440,000 - $450,000">$440,000 - $450,000</option>
<option value="$450,000 - $460,000">$450,000 - $460,000</option>
<option value="$460,000 - $470,000">$460,000 - $470,000</option>
<option value="$470,000 - $480,000">$470,000 - $480,000</option>
<option value="$480,000 - $490,000">$480,000 - $490,000</option>
<option value="$490,000 - $500,000">$490,000 - $500,000</option>
<option value="$500,000 - $510,000">$500,000 - $510,000</option>
<option value="$510,000 - $520,000">$510,000 - $520,000</option>
<option value="$520,000 - $530,000">$520,000 - $530,000</option>
<option value="$530,000 - $540,000">$530,000 - $540,000</option>
<option value="$540,000 - $550,000">$540,000 - $550,000</option>
<option value="$550,000 - $560,000">$550,000 - $560,000</option>
<option value="$560,000 - $570,000">$560,000 - $570,000</option>
<option value="$570,000 - $580,000">$570,000 - $580,000</option>
<option value="$580,000 - $590,000">$580,000 - $590,000</option>
<option value="$590,000 - $600,000">$590,000 - $600,000</option>
<option value="$600,000 - $610,000">$600,000 - $610,000</option>
<option value="$610,000 - $620,000">$610,000 - $620,000</option>
<option value="$620,000 - $630,000">$620,000 - $630,000</option>
<option value="$630,000 - $640,000">$630,000 - $640,000</option>
<option value="$640,000 - $650,000">$640,000 - $650,000</option>
<option value="$650,000 - $660,000">$650,000 - $660,000</option>
<option value="$660,000 - $670,000">$660,000 - $670,000</option>
<option value="$670,000 - $680,000">$670,000 - $680,000</option>
<option value="$680,000 - $690,000">$680,000 - $690,000</option>
<option value="$690,000 - $700,000">$690,000 - $700,000</option>
<option value="$700,000 - $710,000">$700,000 - $710,000</option>
<option value="$710,000 - $720,000">$710,000 - $720,000</option>
<option value="$720,000 - $730,000">$720,000 - $730,000</option>
<option value="$730,000 - $740,000">$730,000 - $740,000</option>
<option value="$740,000 - $750,000">$740,000 - $750,000</option>
<option value="$750,000 - $760,000">$750,000 - $760,000</option>
<option value="$760,000 - $770,000">$760,000 - $770,000</option>
<option value="$770,000 - $780,000">$770,000 - $780,000</option>
<option value="$780,000 - $790,000">$780,000 - $790,000</option>
<option value="$790,000 - $800,000">$790,000 - $800,000</option>
<option value="$800,000 - $810,000">$800,000 - $810,000</option>
<option value="$810,000 - $820,000">$810,000 - $820,000</option>
<option value="$820,000 - $830,000">$820,000 - $830,000</option>
<option value="$830,000 - $840,000">$830,000 - $840,000</option>
<option value="$840,000 - $850,000">$840,000 - $850,000</option>
<option value="$850,000 - $860,000">$850,000 - $860,000</option>
<option value="$860,000 - $870,000">$860,000 - $870,000</option>
<option value="$870,000 - $880,000">$870,000 - $880,000</option>
<option value="$880,000 - $890,000">$880,000 - $890,000</option>
<option value="$890,000 - $900,000">$890,000 - $900,000</option>
<option value="$900,000 - $910,000">$900,000 - $910,000</option>
<option value="$910,000 - $920,000">$910,000 - $920,000</option>
<option value="$920,000 - $930,000">$920,000 - $930,000</option>
<option value="$930,000 - $940,000">$930,000 - $940,000</option>
<option value="$940,000 - $950,000">$940,000 - $950,000</option>
<option value="$950,000 - $960,000">$950,000 - $960,000</option>
<option value="$960,000 - $970,000">$960,000 - $970,000</option>
<option value="$970,000 - $980,000">$970,000 - $980,000</option>
<option value="$980,000 - $990,000">$980,000 - $990,000</option>
<option value="$990,000 - $1,000,000">$990,000 - $1,000,000</option>
<option value="$1,000,000 - $1,010,000">$1,000,000 - $1,010,000</option>
<option value="$1,010,000 - $1,020,000">$1,010,000 - $1,020,000</option>
<option value="$1,020,000 - $1,030,000">$1,020,000 - $1,030,000</option>
<option value="$1,040,000 - $1,050,000">$1,040,000 - $1,050,000</option>
<option value="$1,050,000 - $1,060,000">$1,050,000 - $1,060,000</option>
<option value="$1,060,000 - $1,070,000">$1,060,000 - $1,070,000</option>
<option value="$1,070,000 - $1,080,000">$1,070,000 - $1,080,000</option>
<option value="$1,080,000 - $1,090,000">$1,080,000 - $1,090,000</option>
<option value="$1,090,000 - $1,100,000">$1,090,000 - $1,100,000</option>
<option value="$1,110,000 - $1,120,000">$1,110,000 - $1,120,000</option>
<option value="$1,120,000 - $1,130,000">$1,120,000 - $1,130,000</option>
<option value="$1,130,000 - $1,140,000">$1,130,000 - $1,140,000</option>
<option value="$1,140,000 - $1,150,000">$1,140,000 - $1,150,000</option>
<option value="$1,150,000 - $1,160,000">$1,150,000 - $1,160,000</option>
<option value="$1,160,000 - $1,170,000">$1,160,000 - $1,170,000</option>
<option value="$1,170,000 - $1,180,000">$1,170,000 - $1,180,000</option>
<option value="$1,180,000 - $1,190,000">$1,180,000 - $1,190,000</option>
<option value="$1,190,000 - $1,200,000">$1,190,000 - $1,200,000</option>
<option value="$1,200,000 - $1,210,000">$1,200,000 - $1,210,000</option>
<option value="$1,210,000 - $1,220,000">$1,210,000 - $1,220,000</option>
<option value="$1,220,000 - $1,230,000">$1,220,000 - $1,230,000</option>
<option value="$1,230,000 - $1,240,000">$1,230,000 - $1,240,000</option>
<option value="$1,240,000 - $1,250,000">$1,240,000 - $1,250,000</option>
<option value="$1,250,000 - $1,260,000">$1,250,000 - $1,260,000</option>
<option value="$1,260,000 - $1,270,000">$1,260,000 - $1,270,000</option>
<option value="$1,270,000 - $1,280,000">$1,270,000 - $1,280,000</option>
<option value="$1,280,000 - $1,290,000">$1,280,000 - $1,290,000</option>
<option value="$1,290,000 - $1,300,000">$1,290,000 - $1,300,000</option>
<option value="$1,300,000 - $1,310,000">$1,300,000 - $1,310,000</option>
<option value="$1,310,000 - $1,320,000">$1,310,000 - $1,320,000</option>
<option value="$1,320,000 - $1,330,000">$1,320,000 - $1,330,000</option>
<option value="$1,330,000 - $1,340,000">$1,330,000 - $1,340,000</option>
<option value="$1,340,000 - $1,350,000">$1,340,000 - $1,350,000</option>
<option value="$1,350,000 - $1,360,000">$1,350,000 - $1,360,000</option>
<option value="$1,360,000 - $1,370,000">$1,360,000 - $1,370,000</option>
<option value="$1,370,000 - $1,380,000">$1,370,000 - $1,380,000</option>
<option value="$1,380,000 - $1,390,000">$1,380,000 - $1,390,000</option>
<option value="$1,390,000 - $1,400,000">$1,390,000 - $1,400,000</option>
<option value="$1,400,000 - $1,410,000">$1,400,000 - $1,410,000</option>
<option value="$1,410,000 - $1,420,000">$1,410,000 - $1,420,000</option>
<option value="$1,420,000 - $1,430,000">$1,420,000 - $1,430,000</option>
<option value="$1,430,000 - $1,440,000">$1,430,000 - $1,440,000</option>
<option value="$1,440,000 - $1,450,000">$1,440,000 - $1,450,000</option>
<option value="$1,450,000 - $1,460,000">$1,450,000 - $1,460,000</option>
<option value="$1,460,000 - $1,470,000">$1,460,000 - $1,470,000</option>
<option value="$1,470,000 - $1,480,000">$1,470,000 - $1,480,000</option>
<option value="$1,480,000 - $1,490,000">$1,480,000 - $1,490,000</option>
<option value="$1,490,000 - $1,500,000">$1,490,000 - $1,500,000</option>
</select></span>
<input class="wpcf7-form-control wpcf7-hidden" id="loan_half_val_add" value="" type="hidden" name="loan_half_val">
</p>
</div>
<div class="two_col">
<p><label>Are You Working with a Realtor?</label><span class="wpcf7-form-control-wrap" data-name="ret_yes_no"><select class="wpcf7-form-control wpcf7-select" aria-invalid="false" name="ret_yes_no">
<option value="Yes">Yes</option>
<option value="No">No</option>
</select></span>
</p>
</div>
</div>
<div class="full_col">
<p><label>How Can I Help You With Your Mortgage Needs?</label><span class="wpcf7-form-control-wrap" data-name="help_desc_area"><textarea cols="40" rows="10" class="wpcf7-form-control wpcf7-textarea" aria-invalid="false"
name="help_desc_area"></textarea></span>
</p>
</div>
<input class="wpcf7-form-control wpcf7-hidden" value="https://www.google.com/" type="hidden" name="referer-page">
<div class="full_col">
<p><input class="wpcf7-form-control wpcf7-submit has-spinner apply_now_submit" id="txtbtn" type="submit" value="Submit"><span class="wpcf7-spinner"></span>
</p>
</div>
</div>
</div>
<div class="wpcf7-response-output" aria-hidden="true"></div>
</form>POST https://www.mlcalc.com/mortgage-rates/
<form action="https://www.mlcalc.com/mortgage-rates/" method="post" id="MLCalcRatesFormTrendXX" target="MLCalcRatesFrame"><input type="hidden" name="state" value="XX"> <input type="hidden" name="wg" value="widget"></form>GET https://www.gcamortgage.com/
<form role="search" method="get" class="search-form" action="https://www.gcamortgage.com/">
<label>
<span class="screen-reader-text">Search for:</span>
<input type="search" class="search-field" placeholder="Search …" value="" name="s">
</label>
<input type="submit" class="search-submit" value="Search">
<div class="kadence-search-icon-wrap"><span class="kadence-svg-iconset"><svg aria-hidden="true" class="kadence-svg-icon kadence-search-svg" fill="currentColor" version="1.1" xmlns="http://www.w3.org/2000/svg" width="26" height="28"
viewBox="0 0 26 28">
<title>Search</title>
<path
d="M18 13c0-3.859-3.141-7-7-7s-7 3.141-7 7 3.141 7 7 7 7-3.141 7-7zM26 26c0 1.094-0.906 2-2 2-0.531 0-1.047-0.219-1.406-0.594l-5.359-5.344c-1.828 1.266-4.016 1.937-6.234 1.937-6.078 0-11-4.922-11-11s4.922-11 11-11 11 4.922 11 11c0 2.219-0.672 4.406-1.937 6.234l5.359 5.359c0.359 0.359 0.578 0.875 0.578 1.406z">
</path>
</svg></span></div>
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Mortgage After Foreclosure | Chapter 13 Cash-Out Refinance in Chapter 13 | FHA
Loans | FHA Loans After Chapter 13 | FHA Loans While in Chapter 13 | Mortgage
After Bankruptcy | Videos
HUD CHAPTER 13 GUIDELINES WITH LATE PAYMENTS ON FHA LOANS
ByMichael Gracz February 12, 2023March 24, 2023
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This guide will cover the HUD Chapter 13 Guidelines with late payments on FHA
loans. We will discuss qualifying for FHA loans during Chapter 13 Bankruptcy and
whether you will be eligible for late payments. GCA Mortgage Group are mortgage
experts when it comes to guidelines surrounding bankruptcies. We offer all
Conventional, FHA, and VA mortgages without LENDER OVERLAYS.
> You can have prior bad credit, late payments, collections, and charge-offs,
> but lenders want you to have timely payments in the past two months. Mortgage
> lenders will not condone late payments during the Chapter 13 bankruptcy
> repayment plan or after a bankruptcy discharge. Late payers during Chapter 13
> Bankruptcy or after bankruptcy discharge are considered second offenders and
> will not qualify for a loan. However, there are instances where you can
> qualify for FHA loans with late payments during Chapter 13 repayment plan and
> after bankruptcy discharge.
We can help clients currently in an active chapter 13 bankruptcy or under two
years discharged from a chapter 13 bankruptcy. This blog will detail how to
qualify for an FHA mortgage with a chapter 13 bankruptcy. This holds true even
if you have had some late payments. This article will discuss and cover HUD
Chapter 13 Guidelines with late payments on FHA loans.
compensating-factors-in-mortgage.jpg
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Table of Contents Click Here
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* HUD Chapter 13 Guidelines With Late Payments and Manual Underwriting
* Loan-To-Value Mortgage Guidelines
* HUD Chapter 13 Guidelines With Late Payments and The Importance of
Compensating Factors
* HUD Guidelines on Reserves
* HUD Chapter 13 Guidelines With Late Payments and The Importance of Credit
History and The Ability To Repay
* Credit History Requirements
* Housing and Installment Debt
* HUD Manual Underwriting Guidelines on Revolving Accounts and Collections
* Derogatory Credit Tradelines
* HUD Chapter 13 Guidelines With Late Payments During Repayment Plan
* HUD Chapter 13 Guidelines With Late Payments To Other Creditors Outside the
Plan
* HUD Manual Underwriting Guidelines on Late Payments
HUD CHAPTER 13 GUIDELINES WITH LATE PAYMENTS AND MANUAL UNDERWRITING
You must pass FHA manual underwriting requirements to qualify for an FHA
mortgage with an active chapter 13 bankruptcy. Even if your chapter 13
bankruptcy is discharged, you will require a manual underwrite unless your
discharge is over two years old.
> The term “manual underwriting” scared many clients, but there is nothing to be
> scared of.
We complete hundreds of manually underwritten FHA loans every single year. We
are the experts in this area. Lately, we have come across a few unique
situations surrounding late payments. We will now detail a few basic
qualifications for FHA manual underwriting.
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LOAN-TO-VALUE MORTGAGE GUIDELINES
Loan-to-Value Requirements
* 500 – 579 – 10% down payment (or more)
* 580 and above – 3.5% down payment (or more)
Credit Score and MAX Debt-To-Income Requirements
* No credit score – DTI cannot be higher than 31%/43%
* 500 – 579 – DTI cannot be higher than 31%/43%
* 580 and above – DTI cannot be higher than 31%/43% with ZERO compensating
factors
* 580 and above – DTI cannot be higher than 37%/47% with ONE compensating
factors
* 580 and above – DTI cannot be higher than 40%/40% with ZERO discretionary
debts
* 580 and above – DTI cannot be higher than 40%/50% with TWO compensating
factors
Apply Today: Click Here
HUD CHAPTER 13 GUIDELINES WITH LATE PAYMENTS AND THE IMPORTANCE OF COMPENSATING
FACTORS
What are compensating factors:
* Verified cash reserves (3 months of PITIA for 1-2 unit homes and six months
PITIA for 3-4 unit homes)
* Minimal increase in housing payment
* Significant additional income not used for qualifying income
* Pass FHA residual calculations
For more information on the debt-to-income requirements or compensating factor
information, please call or text Mike Gracz on 630-659-7644 or email
mgracz@gustancho.com.
HUD GUIDELINES ON RESERVES
Reserve Requirements (not to be confused with compensation factors)
* 1-2 unit homes – 1-month PITIA
* 3-4 unit homes – 3-months PITIA
HUD CHAPTER 13 GUIDELINES WITH LATE PAYMENTS AND THE IMPORTANCE OF CREDIT
HISTORY AND THE ABILITY TO REPAY
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CREDIT HISTORY REQUIREMENTS
Credit history is the nuts and bolts of manual underwriting. Besides your credit
score, your credit history will play a major factor in your qualifications.
HOUSING AND INSTALLMENT DEBT
You must have a clean 12 months of payment history on all housing and
installment debts. You are allowed two 30-day late payments in the previous 24
months, assuming those late payments are more than 12 months old (between months
13 and 24). An installment debt is a financial obligation like an auto-payment
where your monthly payment is the same. If you do not have a mortgage reporting
on your credit report, we will complete a VERIFICATION OF RENT to make sure you
have on-time housing payments.
HUD MANUAL UNDERWRITING GUIDELINES ON REVOLVING ACCOUNTS AND COLLECTIONS
The FHA manual underwriting guidelines are a little more lenient on revolving
accounts. You may not have any major derogatory missed payments on your credit
report. FHA defines major derogatory as any payment over 90 days or three 60-day
late payments. Any non-medical collections in the past 12 months are considered
major derogatory credit. Meaning you can have a late payment or two on a credit
card in the past 12 months and still may qualify for the FHA loan.
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DEROGATORY CREDIT TRADELINES
To qualify, derogatory credit items require a strong letter of explanation and
sometimes supporting documentation. If you have collections totaling over
$1,000, 5% of the balance due will be added as a monthly payment against your
debt-to-income ratio. This is an FHA requirement.
> Just because you are in a chapter 13 bankruptcy does not mean your financial
> life becomes easier. Typically, you are paying your creditors back less than
> you owe. However, you still have a significant monthly payment to the trustee,
> along with your everyday bills and expenses.
It is possible to miss a payment to the trustee and fall behind on your
bankruptcy. If you fall behind far enough, the trustee will “dismiss” your
bankruptcy, and you will not be eligible for a discharge. If this is the case,
the creditors can return after you as you did not fill out your repayment
agreement with the trustee. If you miss a payment and can catch up, you still
may qualify for an FHA mortgage.
Get a Fast Quote: Click Here
HUD CHAPTER 13 GUIDELINES WITH LATE PAYMENTS DURING REPAYMENT PLAN
Late payments during a chapter 13 repayment plan. In this section, we will cover
late payments to the trustee. Late payments are never positive regarding
mortgage qualifications, but they may not disqualify you from getting a
mortgage.
> In the past, we have been able to close mortgages with late payments to the
> trustee during a chapter 13 bankruptcy. This is heavily frowned upon but still
> possible.
We have closed a borrower’s loan who was 60 days late to the trustee at the
beginning of the Chapter 13 repayment plan. The trustee caught our borrower’s
payments and extended her chapter 13 plan for two months. The underwriter was
able to approve the loan. This is because she had a clean 12 months of payment
history after that 60-day late payment. In this case, after her 60-day late
payment, she had made 26 on-time payments to the trustee before applying for the
FHA loan.
During the underwriting process, she needed to have a strong letter of
explanation for the reasons for being late, explain how she recovered from the
late payments, and explain that it would not happen again. That letter of
explanation, along with the 26 recent on-time payments to the trustee, no
derogatory marks on her credit report, and two months of reserves, allowed the
underwriter to approve this mortgage.
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HUD CHAPTER 13 GUIDELINES WITH LATE PAYMENTS TO OTHER CREDITORS OUTSIDE THE PLAN
Late payments to other creditors during a chapter 13 bankruptcy. This can be a
little bit harder to get around. Our clients have opened up new credit during an
active chapter 13 bankruptcy. This is a great way to raise your credit score
during your repayment plan. This particular client opened six accounts in total,
and two of those accounts went to collections.
> Once a mortgage underwriter sees something, they cannot unsee it. Therefore,
> you need to make sure any paperwork you submit to the underwriter will not
> derail your mortgage loan approval.
As an underwriter, seeing six new liabilities and 33% of those going to
collections is not a good sign. This borrower could document a short-term
disability stint while the late payments occurred. The borrower broke part of
his hand and could not work for two months. These minor credit cards did slip
into collection status. Since the collection was over 12 months old, the
borrower had medical documentation. The borrower will also need a strong letter
of explanation. The underwriter was able to justify the derogatory collection
accounts during an active chapter 13 bankruptcy.
Talk To a Loan Officer Click Here
HUD MANUAL UNDERWRITING GUIDELINES ON LATE PAYMENTS
FHA manual underwriting does have specific requirements that must be met, and
then some ambiguous items that are underwriter’s discretion. When an item is
underwriter’s discretion, such as a late payment during a chapter 13 bankruptcy,
the more supporting documentation you can provide, the better. Dale Elenteny, a
senior loan officer for GCA Mortgage Group, said the following:
> The main reasons underwriters will allow late payments are documented
> illnesses with medical documentation. Such as documentation showing you were
> physically in the hospital and unable to pay your bills. Or if there is a
> death of a wage earner in your family. Besides something catastrophic like the
> instances above, getting around late payments can be very difficult.
GCA Mortgage Group has seen every credit profile from the high 400s to the mid
800s. In an active chapter 13 bankruptcy, your credit scores usually hover
around 580 to 600. This is a great threshold for manual underwriting. We strive
to offer the best customer service possible, and our loan officers are currently
on the changing mortgage guidelines. Many loan officers are not educated about
manually underwritten mortgage loans. Please subscribe to our YouTube CHANNEL to
stay updated with mortgage news!
Call Us: Click Here
Post Tags: #FHA Chapter 13 Bankruptcy Guidelines#FHA Loans
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GCA MORTGAGE
GCA Mortgage Group Empowered By NEXA Mortgage LLC NMLS 1660690 is America's
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FHA Versus NON-QM Loans
by Alex Carlcucci
November 13, 2023
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FHA Loans With Bad Credit and Scores Down To 500 FICO
by Gustan Cho
November 13, 2023
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