December 4, 2020

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Policy Changes For FHA Short Refinancing Loans: Debt-To-Income Ratio

Recently we’ve been reporting on the latest policy changes to the FHA Short Refinancing Loan program. There’s one last change to cover–the new rules for debt to income ratios.

For the FHA Short Refinancing Program, the maximum debt to income ratios have changed in some situations. The FHA mortgagee letter outlining changes FHA Short Refinance loans states:

“Mortgagee Letter 2010-23, provides specific guidance for debt-to-income ratios for loans that

Joe Wallace - Staff Writer

By Joe Wallace

March 20, 2012

Joe Wallace has been specializing in military and personal finance topics since 1995. His work has appeared on Air Force Television News, The Pentagon Channel, ABC and a variety of print and online publications. He is a 13-year Air Force veteran and a member of the Air Force Public Affairs Alumni Association. He was Managing editor for for (8) years and is currently the Associate Editor for

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About was launched in 2010 by seasoned mortgage professionals wanting to educate homebuyers about the guidelines for FHA insured mortgage loans. Popular FHA topics include credit requirements, FHA loan limits, mortgage insurance premiums, closing costs and many more. The authors have written thousands of blogs specific to FHA mortgages and the site has substantially increased readership over the years and has become known for its “FHA News and Views”.

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