FHA loans are the easiest type of real estate mortgage loan to qualify for. The FHA guidelines for loan qualification are the most flexible of all mortgage loans and require less than 5% down payment. FHA loans are fully insured through the FHA.

As a rule of thumb, mortgage lenders don’t want to see you spending more than 36 percent of your monthly pre-tax income on debt payments or other obligations, including the mortgage you are seeking. That’s the general rule, though they may go to 41 percent or higher for a borrower with good or excellent credit.

Guidance Residential Mortgage Reviews At Guidance Mortgage, have the mortgage solution for you! At Guidance Mortgage, we are truly passionate about our profession, and the result is that nearly 100% of our business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in Milwaukee, Waukesha, Racine and all of Southeastern Wisconsin.

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