FHA.

01

Qualifying

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Who it fits, who it doesn't, and how you get in.

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2:06 01 Where can the down payment come from? The whole 3.5% can be a gift, and the list of who can give it is wide. What the seller can cover, what they can't, and the paper trail either way. 2:16 02 Is my debt-to-income ratio too high? What 31/43 actually measures, why most files are scored by TOTAL instead, and the four named factors that move the line.

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02

Chokepoints

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Where deals get stuck — and how not to.

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2:23 03 What does an FHA appraiser look for? Value, plus whether the house itself meets the standard — and the long list of things that are explicitly not required.

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03

Mortgage insurance

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When it applies, what it costs, and how it goes away.

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2:08 04 What is FHA mortgage insurance? It's the reason a 3.5% down payment exists. What the two premiums cost, how long you pay them, and how they end.

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