FHA qualifying basics: credit, occupancy, DTI, and property rules. Guidance from Ryan Minick and Steve DeLon at Luminate Bank, lending nationwide.
Home
FHA Loans
Who Qualifies
FHA financing is designed for owner-occupants who need flexible credit or a lower down payment. Qualification depends on score, income, debts, occupancy, and a property that meets FHA standards — not one perfect number.
Underwriters look at the whole file. These are the pieces that matter most.
FHA shines when cash is limited or credit is rebuilding — as long as the home will be your primary residence.
Many of these are fixable with timing or documentation — not automatic dead ends.
Ryan and Steve review the real file — not a generic online checklist.
Step
Related guides to help you compare options and move toward pre-approval.
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Ryan & Steve will review your credit, income, and cash to close — then map the cleanest path to pre-approval.