Homeownership Center
Reference Guide

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Chapter 2
Mortgage Credit Guide

	Relocations 2-1
	Increased family size 2-2
	Non-occupying co-borrower 2-3
	Secondary financing by goverment agencies 2-4
	Secondary financing by non-profit agencies 2-5
	Premium pricing 2-6
	Citizenship & immigration status 2-7
	Non-purchasing spouse 2-8
	Credit alert interactive voice response system 2-9
	Rental income 2-10
	Gift funds 2-11
	Debt-to-income ratio 2-12
	Adjustable rate mortages & interest rate buydowns 2-13
	Automated underwriting systems 2-14
	Closing costs & other fees 2-15
	Credit denials 2-16
	Lender transfers 2-17
	Maximum mortgages for purchase transactions 2-18
	Refinances 2-19
	Risk analysis 2-20
	Vacancy, collection & maintenance cost factors 2-21