Learn When Manual Underwriting is Required

Stop second-guessing yourself. Understand exactly what triggers FHA manual underwriting, how TOTAL Scorecard findings work, and what Approve/Eligible vs. Refer findings really mean. You'll spot potential issues at application before they derail your deal.

Understand FHA's Qualification Requirements

Credit scores, debt-to-income ratios, compensating factors, reserves—FHA has specific rules for all of it. This course breaks down the complex guidelines into practical steps you can apply immediately to every file you touch.

Prepare Files That Underwriters Love

Learn exactly what documentation lenders need, how to address credit and qualification concerns head-on, and how to package your borrower's file so it gets approved the first time. No more back-and-forth requests. No more delays.

About This Course

FHA manual underwriting doesn't have to be confusing. This 3-hour live training walks you through a real borrower file from application all the way through underwriting submission. You'll see exactly how to navigate credit challenges, calculate allowable ratios, identify compensating factors, and prepare documentation that lenders actually want to see. Whether you're originating loans, processing applications, or supporting loan officers, you'll walk away knowing how to work FHA loans like a pro. By the end, you'll be able to recognize when manual underwriting applies, identify the specific FHA requirements that matter, find answers in HUD Handbook 4000.1, and submit files that are ready to close. Ready to stop leaving money on the table? Let's get started.

About Your Instructor

Dionne Bass is the founder of Ask the Underwriter® and a mortgage industry veteran with over 30 years of experience as a processor, loan originator, and DE Underwriter. She teaches mortgage professionals how to think through a loan file, find the resources they need, and make confident decisions throughout the mortgage process.

What You'll Learn

5 Chapters · 6 Lessons

    1. (Included in full purchase)

      TOTAL Scorecard Findings

    2. (Included in full purchase)

      Borrower Qualifications Review

    1. (Included in full purchase)

      Income Stability Assessment

    1. (Included in full purchase)

      Compensating Factors Exploration

    1. (Included in full purchase)

      Using HUD Handbook 4000.1

    1. (Included in full purchase)

      Completing the Submission

Ready to Get Started with FHA Manual Underwrites?

Join the growing list of mortgage professionals learning how to navigate FHA manual underwriting with confidence! Register today for FHA Manual Underwrite Jumpstart, a 3-hour live training. Your registration includes a participant workbook, HUD reference guide, FHA workflow, borrower case study, and 12 months of recording access. Can't attend live? No problem! The recording will be available after the class. Please Note: All registration fees are nonrefundable.

$247.00

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