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The federal government backs mortgages for people who want to replace homes that. But what if your home needs to be repaired, and not rebuilt? FHA’s Section 203(k) program, which is HUD’s primary.
For 2017, FHA permits lenders to grant loans to borrowers whose debt-to-income ratio is as high as 43 percent. An FHA Section 203(k) loan is a different sort of mortgage program, and it might be just.