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e:["$","section",null,{"className":"mb-12","children":[["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Credit Score Requirements"}],["$","p",null,{"className":"text-gray-700 mb-4 leading-relaxed","children":"Your credit score is one of the most important factors in determining your eligibility for an FHA loan and the terms you will receive. The FHA establishes minimum credit score thresholds that determine the down payment you are required to make:"}],["$","div",null,{"className":"space-y-4 mb-6","children":[["$","div",null,{"className":"bg-white rounded-xl shadow-sm border border-gray-100 p-6 ","children":[["$","h3",null,{"className":"font-semibold text-gray-900 mb-2","children":["Credit Score of ",580," or Higher"]}],["$","p",null,{"className":"text-gray-700 text-sm leading-relaxed","children":["Borrowers with a FICO credit score of ",580," or above qualify for the minimum down payment of ",3.5,"% of the purchase price. This is the most common pathway for FHA borrowers and represents the program's most favorable terms. For example, on a $250,000 home, you would need a down payment of just $8,750."]}]]}],["$","div",null,{"className":"bg-white rounded-xl shadow-sm border border-gray-100 p-6 ","children":[["$","h3",null,{"className":"font-semibold text-gray-900 mb-2","children":["Credit Score of ",500," to 579"]}],["$","p",null,{"className":"text-gray-700 text-sm leading-relaxed","children":["Borrowers with credit scores between ",500," and 579 can still qualify for an FHA loan, but must make a larger down payment of ",10,"% of the purchase price. On a $250,000 home, this means a $25,000 down payment. While this is a higher barrier, it is still significantly more accessible than most conventional loan programs, which typically require a minimum score of 620."]}]]}],["$","div",null,{"className":"bg-white rounded-xl shadow-sm border border-gray-100 p-6 ","children":[["$","h3",null,{"className":"font-semibold text-gray-900 mb-2","children":["Credit Score Below ",500]}],["$","p",null,{"className":"text-gray-700 text-sm leading-relaxed","children":["Borrowers with credit scores below ",500," are not eligible for FHA financing under current guidelines. If your score is below this threshold, you may want to take steps to improve your credit before applying. The Consumer Financial Protection Bureau (CFPB.gov) offers free resources to help consumers understand and improve their credit scores."]}]]}]]}],["$","p",null,{"className":"text-gray-700 leading-relaxed","children":"Keep in mind that while the FHA sets these minimums, individual lenders may require higher scores. Many FHA-approved lenders in Pennsylvania set their own minimums at 580 or even 620. Shopping multiple lenders can help you find one that matches your credit profile."}]]}]
f:["$","section",null,{"className":"mb-12","children":[["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Down Payment Requirements"}],["$","p",null,{"className":"text-gray-700 mb-4 leading-relaxed","children":["The FHA's low down payment requirements are one of the program's primary advantages. As outlined above, the minimum down payment is ",3.5,"% for borrowers with credit scores of ",580,"or higher, and ",10,"% for those with scores between ",500," and 579."]}],["$","p",null,{"className":"text-gray-700 mb-4 leading-relaxed","children":"One of the most borrower-friendly aspects of FHA loans is the flexibility in sourcing your down payment. Unlike some conventional loan programs, FHA loans allow your entire down payment to come from the following sources:"}],["$","ul",null,{"className":"list-disc pl-6 space-y-2 text-gray-700 mb-4","children":[["$","li",null,{"children":"Personal savings and checking accounts"}],["$","li",null,{"children":"Gifts from family members, employers, or charitable organizations"}],["$","li",null,{"children":"Down payment assistance programs (Pennsylvania offers several state and local programs)"}],["$","li",null,{"children":"Grants from government agencies or nonprofits"}],["$","li",null,{"children":"Proceeds from the sale of personal property"}],["$","li",null,{"children":"Funds from retirement accounts (401k loans or IRA withdrawals)"}]]}],["$","p",null,{"className":"text-gray-700 leading-relaxed","children":"Gift funds must be properly documented with a gift letter stating that no repayment is expected. Pennsylvania homebuyers should explore the Pennsylvania Housing Finance Agency (PHFA) programs, which offer down payment and closing cost assistance that can be used in conjunction with FHA loans."}]]}]
10:["$","section",null,{"className":"mb-12","children":[["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Debt-to-Income Ratio (DTI)"}],["$","p",null,{"className":"text-gray-700 mb-4 leading-relaxed","children":"Your debt-to-income ratio measures how much of your gross monthly income goes toward paying debts. The FHA evaluates two types of DTI ratios:"}],["$","div",null,{"className":"space-y-4 mb-6","children":[["$","div",null,{"className":"bg-white rounded-xl shadow-sm border border-gray-100 p-6 ","children":[["$","h3",null,{"className":"font-semibold text-gray-900 mb-2","children":"Front-End Ratio (Housing Ratio)"}],["$","p",null,{"className":"text-gray-700 text-sm leading-relaxed","children":"This measures your proposed monthly housing payment (including principal, interest, property taxes, homeowner's insurance, HOA dues, and MIP) as a percentage of your gross monthly income. The FHA generally prefers this ratio to be no higher than 31%, though exceptions may be made for borrowers with strong compensating factors."}]]}],["$","div",null,{"className":"bg-white rounded-xl shadow-sm border border-gray-100 p-6 ","children":[["$","h3",null,{"className":"font-semibold text-gray-900 mb-2","children":"Back-End Ratio (Total DTI)"}],["$","p",null,{"className":"text-gray-700 text-sm leading-relaxed","children":["This measures all of your monthly debt obligations (housing costs plus car payments, student loans, credit card minimums, personal loans, and other debts) as a percentage of your gross monthly income. The FHA's standard maximum is ",43,"%, but borrowers with higher credit scores, significant cash reserves, or other compensating factors may be approved with ratios up to 50% in some cases."]}]]}]]}],["$","p",null,{"className":"text-gray-700 leading-relaxed","children":["For example, if your gross monthly income is $5,000, your total monthly debt payments (including the proposed mortgage) should not exceed $2,150 under the standard ",43,"% guideline. If you have a higher DTI, paying down existing debts before applying can significantly improve your chances of approval."]}]]}]
11:["$","section",null,{"className":"mb-12","children":[["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Employment and Income Verification"}],["$","p",null,{"className":"text-gray-700 mb-4 leading-relaxed","children":"FHA loan guidelines require borrowers to demonstrate stable, verifiable income sufficient to cover the mortgage payment and other financial obligations. Lenders will evaluate your employment and income as follows:"}],["$","ul",null,{"className":"list-disc pl-6 space-y-2 text-gray-700 mb-4","children":[["$","li",null,{"children":[["$","strong",null,{"children":"Employment history:"}]," Lenders typically require a two-year employment history. You do not need to have been at the same job for two years, but you should demonstrate a consistent work history without unexplained gaps."]}],["$","li",null,{"children":[["$","strong",null,{"children":"Income documentation:"}]," You will need to provide recent pay stubs (covering the most recent 30-day period), W-2 forms for the past two years, and federal tax returns for the past two years. Self-employed borrowers must provide two years of business tax returns and a current profit-and-loss statement."]}],["$","li",null,{"children":[["$","strong",null,{"children":"Valid Social Security number:"}]," Required for all borrowers."]}],["$","li",null,{"children":[["$","strong",null,{"children":"Legal residency:"}]," Borrowers must be U.S. citizens, permanent residents, or non-permanent residents with valid work authorization."]}]]}],["$","p",null,{"className":"text-gray-700 leading-relaxed","children":"Income from multiple sources may be used to qualify, including salary, overtime, bonuses, commissions, part-time work, Social Security benefits, disability income, child support, and alimony. Each income source must be documented and expected to continue for at least three years."}]]}]
12:["$","section",null,{"className":"mb-12","children":[["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Property Requirements"}],["$","p",null,{"className":"text-gray-700 mb-4 leading-relaxed","children":"FHA loans carry specific property requirements that protect both the borrower and the FHA's insurance fund. These requirements ensure that the home being purchased is safe, habitable, and structurally sound."}],["$","div",null,{"className":"space-y-4 mb-6","children":[["$","div",null,{"children":[["$","h3",null,{"className":"text-lg font-semibold text-gray-900 mb-2","children":"Primary Residence Requirement"}],["$","p",null,{"className":"text-gray-700 leading-relaxed","children":"FHA loans can only be used to purchase a primary residence. You must intend to occupy the property as your principal home within 60 days of closing and must continue to live there for at least one year. FHA loans cannot be used for vacation homes or investment properties."}]]}],["$","div",null,{"children":[["$","h3",null,{"className":"text-lg font-semibold text-gray-900 mb-2","children":"HUD Minimum Property Standards"}],["$","p",null,{"className":"text-gray-700 leading-relaxed","children":"Every property purchased with an FHA loan must meet HUD's Minimum Property Standards (MPS), as verified by an FHA-approved appraiser. These standards require that the home must be safe (free from hazards that could harm occupants), structurally sound (no significant defects in the foundation, roof, or major systems), and secure (adequate protection from the elements with functional doors, windows, and locks). Common issues that can prevent FHA approval include peeling lead-based paint (in homes built before 1978), missing handrails, broken windows, inadequate heating, faulty wiring, plumbing leaks, and roof damage."}]]}],["$","div",null,{"children":[["$","h3",null,{"className":"text-lg font-semibold text-gray-900 mb-2","children":"Eligible Property Types"}],["$","p",null,{"className":"text-gray-700 leading-relaxed","children":["FHA loans can be used to purchase single-family homes, two- to four-unit multi-family properties (if the borrower occupies one unit), FHA-approved condominiums, and manufactured homes that meet FHA guidelines and are permanently affixed to a foundation. In Pennsylvania, check the"," ",["$","$L5",null,{"href":"/fha-loan-limits","className":"text-blue-700 hover:underline","children":"FHA loan limits"}]," ","for your specific county to see maximum loan amounts by property unit count."]}]]}]]}]]}]
13:["$","section",null,{"className":"mb-12","children":[["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Mortgage Insurance Premium (MIP) Requirements"}],["$","p",null,{"className":"text-gray-700 mb-4 leading-relaxed","children":"All FHA loans require mortgage insurance premiums, which fund the FHA's insurance program and protect lenders against borrower default. There are two components to FHA mortgage insurance:"}],["$","div",null,{"className":"space-y-4 mb-6","children":[["$","div",null,{"className":"bg-white rounded-xl shadow-sm border border-gray-100 p-6 ","children":[["$","h3",null,{"className":"font-semibold text-gray-900 mb-2","children":"Upfront Mortgage Insurance Premium (UFMIP)"}],["$","p",null,{"className":"text-gray-700 text-sm leading-relaxed","children":["A one-time premium of ",1.75,"% of the base loan amount, charged at closing. This can be paid in cash or financed into the loan amount. For a $250,000 loan, the UFMIP would be $4,375. Most borrowers choose to finance this premium, increasing their total loan amount to $254,375."]}]]}],["$","div",null,{"className":"bg-white rounded-xl shadow-sm border border-gray-100 p-6 ","children":[["$","h3",null,{"className":"font-semibold text-gray-900 mb-2","children":"Annual Mortgage Insurance Premium"}],["$","p",null,{"className":"text-gray-700 text-sm leading-relaxed","children":["An ongoing premium of ",0.55,"% of the outstanding loan balance per year, divided into 12 monthly installments and included in your mortgage payment. On a $250,000 loan, this amounts to approximately $1,375 per year, or about $115 per month. For most FHA loans originated today (those with less than 10% down), the annual MIP is required for the life of the loan. Borrowers who put 10% or more down can have MIP removed after 11 years."]}]]}]]}],["$","p",null,{"className":"text-gray-700 leading-relaxed","children":["While MIP adds to the cost of an FHA loan, it is what enables the program's accessible qualification requirements. Borrowers who build enough equity may eventually refinance into a conventional loan to eliminate mortgage insurance. Use our"," ",["$","$L5",null,{"href":"/fha-calculator","className":"text-blue-700 hover:underline","children":"FHA calculator"}]," ","to see how MIP affects your estimated monthly payment."]}]]}]
14:["$","section",null,{"className":"mb-12","children":[["$","h2",null,{"className":"text-2xl font-bold text-gray-900 mb-4","children":"Additional FHA Requirements"}],["$","ul",null,{"className":"space-y-3 text-gray-700","children":[["$","li",null,{"className":"leading-relaxed","children":[["$","strong",null,{"children":"No recent bankruptcies or foreclosures:"}]," You must wait at least two years after a Chapter 7 bankruptcy discharge and three years after a foreclosure before being eligible for an FHA loan. Chapter 13 bankruptcy borrowers may be eligible after one year of on-time plan payments with court approval."]}],["$","li",null,{"className":"leading-relaxed","children":[["$","strong",null,{"children":"No federal debt delinquency:"}]," Borrowers who are delinquent on federal debt (such as student loans or tax obligations) are not eligible for FHA financing until the delinquency is resolved."]}],["$","li",null,{"className":"leading-relaxed","children":[["$","strong",null,{"children":"FHA appraisal:"}]," An FHA-approved appraiser must inspect and appraise the property. This serves two purposes: verifying that the home meets HUD's minimum property standards and establishing the property's market value to ensure the loan amount does not exceed what the home is worth."]}],["$","li",null,{"className":"leading-relaxed","children":[["$","strong",null,{"children":"Loan limits:"}]," The FHA loan amount cannot exceed the"," ",["$","$L5",null,{"href":"/fha-loan-limits","className":"text-blue-700 hover:underline","children":"FHA loan limit"}]," ","for your Pennsylvania county. These limits are set annually by HUD based on local housing costs and vary from county to county."]}]]}]]}]
15:["$","section",null,{"className":"bg-gradient-to-r from-blue-700 to-blue-900 rounded-2xl p-8 md:p-12 text-white text-center","children":[["$","h2",null,{"className":"text-2xl md:text-3xl font-bold mb-4","children":"Check Your FHA Loan Eligibility"}],["$","p",null,{"className":"text-lg text-blue-100 mb-6 max-w-2xl mx-auto","children":"Connect with an FHA-approved lender in Pennsylvania to review your qualifications and get pre-approved. No obligation required."}],["$","$L5",null,{"href":"/contact","className":"inline-flex items-center justify-center font-semibold rounded-lg transition-colors focus:outline-none focus:ring-2 focus:ring-offset-2 disabled:opacity-50 disabled:cursor-not-allowed bg-green-600 text-white hover:bg-green-700 focus:ring-green-500 px-8 py-3.5 text-lg ","children":"Get Pre-Qualified Today"}]]}]
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