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Manual Underwriting FHA – Flexible Credit Solutions, Starting at 500 FICO
When Others Say No, We Help You Say Yes
Get the approvals your clients deserve — even when automated systems turn them away. Our Manual Underwriting FHA program is designed for buyers who need a more flexible, human-reviewed approach to mortgage approval.
FAQs
Q1: What is manual underwriting?
A: Manual underwriting is when an experienced loan underwriter personally reviews your file instead of relying solely on automated
systems. This allows for more flexibility and consideration of special circumstances.
Q2: Who benefits most from manual underwriting?
A: Buyers with low credit scores, unique income structures, recent financial recovery, or layered risk factors often benefit the most.
Q3: Is the process slower than AUS approval?
A: It can take slightly longer due to the personal review, but our team works to keep timelines competitive.
Q4: Can manual underwriting help with recent credit issues?
A: Yes — as long as the borrower can show strong compensating factors, such as on-time rent payments or reserves, manual underwriting can approve situations AUS might deny.
Q5: Does manual underwriting affect loan terms?
A: Loan terms remain competitive, but in some cases, additional documentation or conditions may apply.
Q6: Can self-employed borrowers use manual underwriting?
A: Yes, as long as they meet FHA income documentation requirements.
Why This Program Works
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Human Review: Real people understand life happens — algorithms don’t.
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More Approvals: Opens doors for borrowers who would otherwise be denied.
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Compensating Factors Matter: We give credit for reserves, steady employment, and payment history.
A Smarter Way to Get Approved
Instead of letting rigid AUS guidelines stand in the way, Manual Underwriting FHA puts control back in human hands. By considering the full borrower story, we make homeownership possible for more families, faster.