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NHS Counseling Program Can Help Homebuyers Qualify for FHA’s “Back to Work” Lending Program

09/09/13 at 12:06 PM

NHS Counseling Program Can Help Idaho Homebuyers Qualify for FHA’s “Back to Work” Lending Program

New FHA program opens doors to homeownership that were previously closed…some counseling required

On August 15, 2013, FHA HUD introduced guidelines for is “Back to Work” lending program that will open the doors to otherwise ineligible FHA borrowers. Borrowers with a recent history of, among other things, bankruptcy, foreclosure, short sale, judgment, loan modification or deed-in-lieu can now apply for an FHA-insured mortgage loan. However, they must be able prove through supporting documentation that they experienced an “economic event beyond their control” resulting in job loss or a significant reduction in income. The borrower must also be able to demonstrate 12 full months of recovery from the event.

Neighborhood Housing Services (NHS) can help families interested in taking advantage of this program! FHA guidelines require a minimum of one pre-purchase counseling session with a HUD-certified agency. NHS has a qualified and experienced counselor prepared to conduct counseling for this program and help families return to homeownership. For more information or to schedule a counseling appointment, contact Apryl Richmond at 258-6217 or

For information about this program in other States, visit for a counseling agency nearest you.

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