vamortgages.bsky.social
vamortgages.bsky.social
Mortgage broker trying to help others. NMLS 1281448 company NMLS 1728740 www.homeloansinc.com https://www.nmlsconsumeraccess.org/Home.aspx/MainSearch
👤 Joined on 13 May 2026
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- 13 May 2026, 04:47
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A lender told Joyce her church gift funds would disqualify her USDA loan. That lender was wrong. USDA-3550-021 Paragraph 4.3.E explicitly permits gift funds from charitable organizations. No borrower contribution required. The rule is in writing.
Show PostVA loan no credit history is not a disqualifier. VA Lender's Handbook Chapter 4, Topic 7, Subsection b says the absence of a credit history is not generally considered an adverse factor. Your lender's minimum score requirement is their overlay, not the VA's rule.
Show PostA six-figure income does not disqualify you from a 3 percent down conventional loan. If the property sits in a low-income census tract, Fannie Mae Selling Guide B5-6-01 waives the income limit entirely. Your lender probably never ran the address.
Show PostFHA loan employment gap requirements do not automatically kill your application. HUD 4000.1 Section II.A.4.c.xi.B says six months back at work plus two years of prior history is enough. The lender who said no may have added their own rule on top of the actual guideline.
Show PostUSDA loan credit requirements for authorized user accounts: that account on your credit report does not count unless you can prove 12 months of payments you made. Your score reflects it. USDA-3550-071, Exhibit 4-5 does not care.
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