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HUD HOC Reference Guide
Chapter 2
Mortgage Credit Guide
Relocations 2-1
Increased Family Size 2-2
Non-occupying Borrower and Co-borrower 2-3
Secondary Financing by Government Agencies 2-4
Secondary Financing by Nonprofit 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 Mortgages & 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
Content Archived: November 5, 2012