fha authorized user accounts

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Those changes as described above we later cancelled pending further review by the FHA and HUD. When we initially reported on this issue, FHA loan rules were published in a handbook that is now obsolete. What follows is current guidance on judgments and collection accounts as found in the FHA Loan Handbook, HUD 4000.1 at the time of this writing.

FHA Connection is an online system that allows authorized lenders and FHA business partners to access FHA computer systems to originate loans. 22 FHA Connection Neighborhood Watch FHA Connection Neighborhood Watch allows authorized users to monitor FHA mortgage delinquency patterns in a geographic area, by lender or by loan details.

Let’s say some kind family member or spouse has a credit card, and they make you an authorized user. Then you discover as the authorized user that the primary cardholder is making late payments.

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Authorized User Question with FHA The mortgage guy here in Florida told me that any AU accounts will be removed from scoring when the loan process starts. From what I have read, FHA DOES take AU into account when scoring. I am wondering this because it makes a world of difference on our mortgage.

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Disputed credit accounts or collections resulting from identity theft, credit card theft, or unathorized use, etc., will be excluded from the $1000 limit provided acceptable supporting documentation can be provided, such as a police report. Disputes on authorized user accounts are also factored into the $1000 limit.

The lender is not required to review an authorized user tradelines that belongs to the borrower’s spouse when the spouse is not on the mortgage transaction. For manual underwriting consideration of authorized users of credit, see B3-5.3-06, Authorized Users of Credit.

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