Guideline answers
Common guideline questions, answered from the source.
Each answer is written from the agency's own text and cites the section and the date that source shows. Lender overlays can be stricter, so every page ends with the source to check.
Fannie Mae
- How does Fannie Mae calculate a student loan payment for DTI?
- What are Fannie Mae's rules for gift funds?
- Does Fannie Mae allow a gift of equity?
- Can a self-employed borrower qualify with one year of tax returns on a Fannie Mae loan?
- Do collections and charge-offs have to be paid off on a Fannie Mae DU loan?
FHA
- How does FHA calculate a student loan payment for DTI?
- What are FHA's rules for gift funds?
- Can I get an FHA loan in a condo that is not FHA approved?
- Do collections and charge-offs have to be paid off on an FHA loan?