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Guidelines Q&A · FHA

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Can I use a 2-year average for self-employed income on an FHA loan?

ASSISTANT

Yes — FHA requires a 2-year average for self-employed borrowers.The lender must average net income over 24 months and the business must have been operating for at least 2 years, evidenced by signed tax returns and a year-to-date P&L.

FHA Handbook 4000.1 · II.A.4

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