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What are qualifying debt to income ratios for an FHA loan qualifying?

Answer
For manually underwritten mortgages where the Direct Endorsement (DE) underwriter must make the credit decision, the qualifying ratios are 31% and 43%. For those borrowers who qualify under FHA's Energy Efficient Homes (EEH) the '''stretch ratios''' are increased to 33% and 45%.

Handbook 4155.1: 4.F.2.a-c

 
Reference
Handbook 4155.1: 4.F.2.a-c
 
 

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