Georgia FHA Mortgage With Charge Offs, Georgia collections, Judgments?
Must a Georgia collection reported as a charge off be included with the FHA mortgage applicants debt to income ratios?
If a previously reported Charge Off Account is subsequently reported as an open Georgia collection account, the debt must be considered for credit and capacity analysis in accordance with Georgia collection Account.
If the credit reports used in the FHA mortgage approval analysis show cumulative outstanding Georgia collection account balances of $2,000 or greater, the FHA mortgage lender must:
1. verify that the debt is paid in full at the time of or prior to settlement using acceptable sources of funds;
2. verify that the FHA mortgage applicant has made payment arrangements with the creditor and include the monthly payment in the FHA mortgage applicant’s debt-to-income (DTI); or
3. if a payment arrangement is not available, calculate the monthly payment using 5% percent of the outstanding balance of each Georgia collection and include the monthly payment in the FHA mortgage applicant’s Debt to income ratios.
Georgia collection accounts of a non-borrowing spouse in a community property state must be included in the $2,000 cumulative balance and analyzed as part of the FHA mortgage applicant’s ability to pay all Georgia collection accounts unless excluded by state law.
The FHA mortgage lender must provide the following documentation:
1. Provide evidence of payment in full, if paid prior to settlement;
2. the payoff statement, if paid at settlement; or
3. the payment arrangement with the creditor, if not paid prior to or at settlement.
If the FHA mortgage lender uses 5%percent of the outstanding balance, no documentation is required.
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Does FHA require Georgia collections to be paid off for an FHA mortgage qualifying?
A Georgia collection Account refers to an FHA mortgage applicant’s loan or debt that has been submitted to a Georgia collection agency by a creditor.
If the credit reports used in the analysis show cumulative outstanding Georgia collection account balances of $2,000 or greater, the lender must:
1. FHA mortgage lenders must verify that the debt is paid in full at the time of or prior to settlement using an acceptable source of funds;
2. FHA mortgage lenders must verify that the FHA mortgage applicant has made payment arrangements with the creditor and include the monthly payment in the FHA mortgage applicant’s Debt-to-Income ratio (DTI); or
3. FHA mortgage lenders must if a payment arrangement is not available, calculate the monthly payment using 5%percent of the total outstanding balance of each Georgia collection and include the monthly payment in the FHA mortgage applicant’s Debt to income ratios. Georgia collection accounts of a non-borrowing spouse in a community property state must be included in the $2,000 cumulative balance and analyzed as part of the FHA mortgage applicant’s ability to pay all Georgia collection accounts unless excluded by state law. Unless the lender uses 5 percent of the outstanding balance, the lender must provide the following documentation:
• evidence of payment in full, if paid prior to settlement;
• the payoff statement, if paid at settlement; or
• the payment arrangement with the creditor, if not paid prior to or at the closing of the FHA mortgage. For manually underwritten loans, the lender must determine if Georgia collection accounts were a result of:
• the FHA mortgage applicant’s disregard for financial obligations;
• the FHA mortgage applicant’s inability to manage debt; or
• extenuating circumstances. The lender must document reasons for approving a mortgage when the FHA mortgage applicant has any Georgia collection accounts. The FHA mortgage applicant must provide a letter of explanation, which is supported by documentation, for each outstanding Georgia collection account. The explanation and supporting documentation must be consistent with other credit information in the file.
How Do FHA mortgage lenders look at judgments when considering FHA approval?Judgment refers to any debt or monetary liability of the FHA mortgage applicant, and the FHA mortgage applicant’s spouse in a community property state unless excluded by state law, created by a court, or another adjudicating body. The FHA mortgage lender must verify that court-ordered Judgments are resolved or paid off prior to or at closing. Judgments of a non-borrowing spouse in a community property state must be resolved or paid in full, with the exception of obligations excluded by state law. For manually underwritten FHA mortgage approvals, regardless of the number of outstanding Judgments, the FHA mortgage lender must also determine if the Judgment was a result of:
1. the FHA mortgage applicant’s disregard for financial obligations;
2. the FHA mortgage applicant’s inability to manage debt; or
3. extenuating circumstances. EXCEPTION
A Judgment is considered resolved if the FHA mortgage applicant has entered into a valid agreement with the creditor to make regular payments on the debt, the FHA mortgage applicant has made timely payments for at least (3) three months of scheduled payments and the Judgment will not supersede the FHA mortgage lien. The FHA mortgage applicant can NOT prepay scheduled payments in order to meet the required minimum of 3 three months of payments. The payment amount in the agreement must be included in the FHA mortgage applicant’s monthly liabilities and debt. The FHA mortgage lender must obtain a copy of the agreement and evidence that payments were made on time in accordance with the agreement. The FHA mortgage lender must provide the following documentation:
1. Evidence of payment in full, if paid prior to settlement;
2. The payoff statement, if paid at settlement; or
3. the payment arrangement with the creditor, if not paid prior to or at settlement, and a subordination agreement for any liens existing on title.
1. the FHA mortgage applicant’s disregard for financial obligations;
2. the FHA mortgage applicant’s inability to manage debt; or
3. extenuating circumstances. EXCEPTION
A Judgment is considered resolved if the FHA mortgage applicant has entered into a valid agreement with the creditor to make regular payments on the debt, the FHA mortgage applicant has made timely payments for at least (3) three months of scheduled payments and the Judgment will not supersede the FHA mortgage lien. The FHA mortgage applicant can NOT prepay scheduled payments in order to meet the required minimum of 3 three months of payments. The payment amount in the agreement must be included in the FHA mortgage applicant’s monthly liabilities and debt. The FHA mortgage lender must obtain a copy of the agreement and evidence that payments were made on time in accordance with the agreement. The FHA mortgage lender must provide the following documentation:
1. Evidence of payment in full, if paid prior to settlement;
2. The payoff statement, if paid at settlement; or
3. the payment arrangement with the creditor, if not paid prior to or at settlement, and a subordination agreement for any liens existing on title.
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Hahira Lowndes County Georgia
Hamilton Harris County Georgia
Hampton Henry County Georgia
Hapeville Fulton County Georgia
Haralson Coweta County Georgia
Harlem Columbia County Georgia
Harrison Washington County Georgia
Hartwell Hart County Georgia
Hawkinsville Pulaski County Georgia
Hazlehurst Jeff Davis County Georgia
Helen White County Georgia
Hephzibah Augusta-Richmond County Georgia
Hiawassee Towns County Georgia
Higgston Montgomery County Georgia
Hiltonia Screven County Georgia
Hinesville Liberty County Georgia
Hiram Paulding County Georgia
Hoboken Brantley County Georgia
Hogansville Troup County Georgia
Holly Springs Cherokee County Georgia
Homeland Charlton County Georgia
Homer Banks County Georgia
Homerville Clinch County Georgia
Hoschton Jackson County Georgia
Hull Madison County Georgia
Ideal Macon County Georgia
Ila Madison County Georgia
Iron City Seminole County Georgia
Irwinton Wilkinson County Georgia
Ivey Wilkinson County Georgia
Jackson Butts County Georgia
Jacksonville Telfair County Georgia
Jakin Early County Georgia
Jasper Pickens County Georgia
Jefferson Jackson County Georgia
Jeffersonville Twiggs County Georgia
Jenkinsburg Butts County Georgia
Jersey Walton County Georgia
Jesup Wayne County Georgia
Johns Creek Fulton County Georgia
Jonesboro Clayton County Georgia
Junction City Talbot County Georgia
Kennesaw Cobb County Georgia
Keysville Burke County Georgia
Kingsland Camden County Georgia
Kingston Bartow County Georgia
Kite Johnson County Georgia
LaFayette Walker County Georgia
LaGrange Troup County Georgia
Lake City Clayton County Georgia
Lake Park Lowndes County Georgia
Lakeland Lanier County Georgia
Lavonia Franklin County Georgia
Lawrenceville Gwinnett County Georgia
Leary Calhoun County Georgia
Leesburg Lee County Georgia
Lenox Cook County Georgia
Leslie Sumter County Georgia
Lexington Oglethorpe County Georgia
Lilburn Gwinnett County Georgia
Lilly Dooly County Georgia
Lincolnton Lincoln County Georgia
Lithonia DeKalb County Georgia
Locust Grove Henry County Georgia
Loganville Gwinnett County Georgia
Lone Oak Meriwether County Georgia
Lookout Mountain Walker County Georgia
Louisville Jefferson County Georgia
Lovejoy Clayton County Georgia
Ludowici Long County Georgia
Lula Hall County Georgia
Lumber City Telfair County Georgia
Lumpkin Stewart County Georgia
Luthersville Meriwether County Georgia
Lyerly Chattooga County Georgia
Lyons Toombs County Georgia
Macon Bibb County Georgia
Madison Morgan County Georgia
Manassas Tattnall County Georgia
Manchester Meriwether County Georgia
Mansfield Newton County Georgia
Marietta Cobb County Georgia
Marshallville Macon County Georgia
Martin Stephens County Georgia
Maxeys Oglethorpe County Georgia
Maysville Banks County Georgia
McCaysville Fannin County Georgia
McDonough Henry County Georgia
McIntyre Wilkinson County Georgia
McRae-Helena Telfair County Georgia
Meansville Pike County Georgia
Meigs Thomas County Georgia
Menlo Chattooga County Georgia
Metter Candler County Georgia
Midville Burke County Georgia
Midway Liberty County Georgia
Milan Telfair County Georgia
Milledgeville Baldwin County Georgia
Millen Jenkins County Georgia
Milner Lamar County Georgia
Milton Fulton County Georgia
Mitchell Glascock County Georgia
Molena Pike County Georgia
Monroe Walton County Georgia
Montezuma Macon County Georgia
Monticello Jasper County Georgia
Montrose Laurens County Georgia
Moreland Coweta County Georgia
Morgan Calhoun County Georgia
Morganton Fannin County Georgia
Morrow Clayton County Georgia
Morven Brooks County Georgia
Moultrie Colquitt County Georgia
Mount Airy Habersham County Georgia
Mount Vernon Montgomery County Georgia
Mount Zion Carroll County Georgia
Mountain City Rabun County Georgia
Mountain Park Fulton County Georgia
Nahunta Brantley County Georgia
Nashville Berrien County Georgia
Nelson Pickens County Georgia
Newborn Newton County Georgia
Newington Screven County Georgia
Newnan Coweta County Georgia
Newton Baker County Georgia
Nicholls Coffee County Georgia
Nicholson Jackson County Georgia
Norcross Gwinnett County Georgia
Norman Park Colquitt County Georgia
North High Shoals Oconee County Georgia
Norwood Warren County Georgia
Oak Park Emanuel County Georgia
Oakwood Hall County Georgia
Ochlocknee Thomas County Georgia
Ocilla Irwin County Georgia
Oconee Washington County Georgia
Odum Wayne County Georgia
Offerman Pierce County Georgia
Oglethorpe Macon County Georgia
Oliver Screven County Georgia
Omega Tift County Georgia
Orchard Hill Spalding County Georgia
Oxford Newton County Georgia
Palmetto Fulton County Georgia
Parrott Terrell County Georgia
Patterson Pierce County Georgia
Pavo Brooks County Georgia
Payne City Bibb County Georgia
Peachtree City Fayette County Georgia
Peachtree Corners Gwinnett County Georgia
Pearson Atkinson County Georgia
Pelham Mitchell County Georgia
Pembroke Bryan County Georgia
Pendergrass Jackson County Georgia
Perry Houston County Georgia
Pine Lake DeKalb County Georgia
Pine Mountain Harris County Georgia
Pinehurst Dooly County Georgia
Pineview Wilcox County Georgia
Pitts Wilcox County Georgia
Plains Sumter County Georgia
Plainville Gordon County Georgia
Pooler Chatham County Georgia
Port Wentworth Chatham County Georgia
Portal Bulloch County Georgia
Porterdale Newton County Georgia
Poulan Worth County Georgia
Powder Springs Cobb County Georgia
Preston Webster County Georgia
Pulaski Candler County Georgia
Quitman Brooks County Georgia
Ranger Gordon County Georgia
Ray City Berrien County Georgia
Rayle Wilkes County Georgia
Rebecca Turner County Georgia
Register Bulloch County Georgia
Reidsville Tattnall County Georgia
Remerton Lowndes County Georgia
Rentz Laurens County Georgia
Resaca Gordon County Georgia
Reynolds Taylor County Georgia
Rhine Dodge County Georgia
Riceboro Liberty County Georgia
Richland Stewart County Georgia
Richmond Hill Bryan County Georgia
Riddleville Washington County Georgia
Rincon Effingham County Georgia
Ringgold Catoosa County Georgia
Riverdale Clayton County Georgia
Riverside Colquitt County Georgia
Roberta Crawford County Georgia
Rochelle Wilcox County Georgia
Rockmart Polk County Georgia
Rocky Ford Screven County Georgia
Rome Floyd County Georgia
Rossville Walker County Georgia
Roswell Fulton County Georgia
Royston Franklin County Georgia
Rutledge Morgan County Georgia
Sale City Mitchell County Georgia
Sandersville Washington County Georgia
Sandy Springs Fulton County Georgia
Santa Claus Toombs County Georgia
Sardis Burke County Georgia
Sasser Terrell County Georgia
Savannah Chatham County Georgia
Scotland Telfair County Georgia
Screven Wayne County Georgia
Senoia Coweta County Georgia
Shady Dale Jasper County Georgia
Sharon Taliaferro County Georgia
Sharpsburg Coweta County Georgia
Shellman Randolph County Georgia
Shiloh Harris County Georgia
Siloam Greene County Georgia
Sky Valley Rabun County Georgia
Smithville Lee County Georgia
Smyrna Cobb County Georgia
Snellville Gwinnett County Georgia
Social Circle Walton County Georgia
Soperton Treutlen County Georgia
South Fulton Fulton County Georgia
Sparks Cook County Georgia
Sparta Hancock County Georgia
Springfield Effingham County Georgia
St. Marys Camden County Georgia
Stapleton Jefferson County Georgia
Statenville Echols County Georgia
Statesboro Bulloch County Georgia
Statham Barrow County Georgia
Stillmore Emanuel County Georgia
Stockbridge Henry County Georgia
Stone Mountain DeKalb County Georgia
Stonecrest DeKalb County Georgia
Sugar Hill Gwinnett County Georgia
Summerville Chattooga County Georgia
Sumner Worth County Georgia
Surrency Appling County Georgia
Suwanee Gwinnett County Georgia
Swainsboro Emanuel County Georgia
Sycamore Turner County Georgia
Sylvania Screven County Georgia
Sylvester Worth County Georgia
Talbotton Talbot County Georgia
Talking Rock Pickens County Georgia
Tallapoosa Haralson County Georgia
Tallulah Falls Habersham County Georgia
Talmo Jackson County Georgia
Tarrytown Montgomery County Georgia
Taylorsville Bartow County Georgia
Temple Carroll County Georgia
Tennille Washington County Georgia
Thomaston Upson County Georgia
Thomasville Thomas County Georgia
Thomson McDuffie County Georgia
Thunderbolt Chatham County Georgia
Tifton Tift County Georgia
Tignall Wilkes County Georgia
Toccoa Stephens County Georgia
Toomsboro Wilkinson County Georgia
Trenton Dade County Georgia
Trion Chattooga County Georgia
Tucker DeKalb County Georgia
Tunnel Hill Whitfield County Georgia
Turin Coweta County Georgia
Twin City Emanuel County Georgia
Ty Ty Tift County Georgia
Tybee Island Chatham County Georgia
Tyrone Fayette County Georgia
Unadilla Dooly County Georgia
Union City Fulton County Georgia
Union Point Greene County Georgia
Uvalda Montgomery County Georgia
Valdosta Lowndes County Georgia
Varnell Whitfield County Georgia
Vernonburg Chatham County Georgia
Vidalia Toombs County Georgia
Vienna Dooly County Georgia
Villa Rica Carroll County Georgia
Waco Haralson County Georgia
Wadley Jefferson County Georgia
Waleska Cherokee County Georgia
Walnut Grove Walton County Georgia
Walthourville Liberty County Georgia
Warm Springs Meriwether County Georgia
Warner Robins Houston County Georgia
Warrenton Warren County Georgia
Warwick Worth County Georgia
Washington Wilkes County Georgia
Watkinsville Oconee County Georgia
Waverly Hall Harris County Georgia
Waycross Ware County Georgia
Waynesboro Burke County Georgia
West Point Troup County Georgia
Whigham Grady County Georgia
White Bartow County Georgia
White Plains Greene County Georgia
Whitesburg Carroll County Georgia
Willacoochee Atkinson County Georgia
Williamson Pike County Georgia
Winder Barrow County Georgia
Winterville Athens-Clarke County Georgia
Woodbine Camden County Georgia
Woodbury Meriwether County Georgia
Woodland Talbot County Georgia
Woodstock Cherokee County Georgia
Woodville Greene County Georgia
Woolsey Fayette County Georgia
Wrens Jefferson County Georgia
Wrightsville Johnson County Georgia
Yatesville Upson County Georgia
Young Harris Towns County Georgia
Zebulon Pike County Georgia
