Private lenders issue FHA loans and the FHA provides the lender with a guarantee to reduce the lender’s risk. To get a loan, start with a local loan originator, online mortgage broker, or loan officer at your financial institution. Discuss your options, including fha loans and alternatives, and decide on the right program for your needs.Income Requirements For Home Loan What Is Needed For An Fha Loan Key elements to obtain loan approval | Peter Boutell, Lending a Hand – The guidelines often allow borrowers to have a debt-to-income ratio of up to 50 percent (even higher with FHA & VA loans. which in turn will lower the required loan amount. When we speak of gross. · Visit the official USDA web site to check income requirements in the State and County you wish to purchase a home for that areas income limits. USDA Rules for Property Location One of the main USDA loan requirements is that the intended property must be located in an area classified as “rural” by the USDA.Best Place To Apply For Fha Loan FHA.com Reviews. FHA.com is a one-stop resource for homebuyers who want to make the best decisions when it comes to their mortgage. With our detailed, mobile-friendly site, individuals can access information about different FHA products, the latest loan limits, and numerous other resources to make their homebuying experience easier.