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HUD Guidelines

HUD Guidelines are issued in public interest to help them seek housing and mortgage solutions through procedures that are legal and fair to all those participating in the program. These guidelines also offer them a protection against mortgage fraud and unfair practices of lenders. As the rules and regulations governing HUD programs for low income housing, FHA loans, mortgage underwriting, appraisal, lending, property preservation, lead-based paint, winterization, manufactured homes, and short sales change each year, the guidelines concerning each of them also change. Thus you may find differences in new HUD guidelines for 2010 over those of the preceding year 2009.

HUD Housing Guidelines

The handbook supplied by the US Department of Housing and Urban Development contains details of all HUD Guidelines under various chapters and sections. For example, you may find guidelines for lead-based paint in Chapter 7 of the Evaluation and Control of Lead-Based Paint Hazards in Housing while the HUD Fair Housing Accessibility Guidelines can be found in the 1991 edition of the Code of Federal Regulations. Similarly, the handbook 4150.2 contains guidelines and valuation analysis for single family one to four unit dwellings whereas 4905.1 guidelines refer to the requirements for existing housing one to four family units.

The HUD official website and HUDCLIPS offer you a number of handbooks and guideline tables to download in PDF or Word version. These may include HUD guidelines for
  • FHA Loan
  • Property Preservation
  • Lead Based Paint
  • Low Income
  • Section 8
  • Manufactured Homes
  • Winterization
  • Condos
  • Reverse Mortgages
  • Short Sales
  • Well and Septic
  • Appraisal
  • Mortgage Underwriting
  • Very Low Income
  • Mortgage Lending
  • Housing Program
Browse the site to know in detail about HUD guidelines for each of those mentioned above.

HUD FHA Guidelines

The Federal Housing Administration (FHA) is the financing arm of HUD. It offers a number of loan programs and mortgage insurance solutions to help people buy HUD homes and fulfill their housing requirements. It issues guidelines for appraisers and lenders to ensure fair practices in business activities involving real estate appraisal practices, mortgage underwriting, foreclosure, short sales, bankruptcy and transactions of condos, manufactured homes and other housing units. Moreover, its guidelines regarding loan limits and other aspects of a mortgage insurance changes every year. As a result, the new HUD FHA guidelines for 2010 have made 2009 guidelines obsolete.

HUD Income Guidelines

HUD Income Guidelines for 2008, 2009 and 2010 Income limits are available online at These income guidelines help you determine the income eligibility criteria in order to qualify for a number of HUD housing and rental programs including Section 8, Section 221(d) (3) BMR, Section 235 and Section 236. You may also visit the websites of the Department of Housing and Urban Development and the Federal Housing Administration and also HUDCLIPS to get valuable resources that help you with HUD guideline requirements for income limits, mortgage underwriting, appraisal, property preservation, Fair Housing Accessibility, winterization, very low income housing, reverse mortgages, 4150.2, 4905.1, short sales, and housing programs.


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