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FHA loan requirements include a maximum debt to income ratio. When a borrower applies for an FHA mortgage, they are required to disclose all debts, open linesRefer to the CMS FHA Underwriting Guidelines for additional details regarding manufactured housing. Manufactured Homes. <1YR. For Max Financing (i.e.: >90% LTV) FHA Underwriting Guidelines. Mortgage Lending Division. Version 10.2 – 10/01/21. CMS Policies & Procedures. Page 2 of 376. Proprietary and confidential. FHA requirements are structured so that loan applicants who have a good credit history will likely be eligible for the mortgage. Late payments, bankruptcies 1. Equal Housing Lender ©2018 Mortgage Solutions of Colorado, LLC, dba Mortgage Solutions Financial NMLS #61602, headquartered at 5455 N Union Blvd, General Credit Requirements (cont.) • For each Borrower who will be obligated on the mortgage. Note, the Mortgagee must either obtain a:. FHA's SF Handbook Supplemental Documents page contains the guides and other Model Documents and 203(k) Rehabilitation Mortgage Insurance Program Sample 7/2018. FHA Manual. Underwrite. Definition of Manually. Underwritten Loan loans must meet or exceed the following minimum reserve requirements:.