Mortgage guidelines aren't one-size-fits-all. Different loan programs have different rules — sometimes dramatically different. These deep dives compare how the five major programs handle common borrower situations, with clear answers and the source handbook sections cited.
When FHA sends your file to a human: HUD 4000.1 rules and downgrade triggers
When VA refers your file: residual income tables and the 13 comp factors
When GUS returns Refer: the ratio ceilings, the 680 gate, and the comp factors
Which residency status qualifies for which program, including the 2025 FHA change
Live in one unit, rent the rest, and learn which strategies actually help you qualify
2026 conforming, FHA, VA, and USDA limits for all 95 TN counties, on an interactive map
More deep dives coming soon. Got a topic you want covered? Call (615) 656-0737.
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