FHA Back to Work Program

The Federal Housing Administration’s Back to Work – Extenuating Circumstances mortgage loan program shortens the waiting period to buy a home to as little as one year after you’ve had a bankruptcy, foreclosure, deed in lieu of foreclosure, or short sale. You do need to know the rules and guidelines in order to qualify. Credit.org is here to help you answer the questions:

    • Do you meet the basic program qualifications?
    • How do you get your certificate and apply?

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Priority Pre-purchase Counseling℠ from credit.org gets you:

    • Priority Counseling Request
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    • Electronic Certificate Delivery
      Immediately sent to you and your lender upon completion of counseling.
    • Customized Action Plan
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FHA “Back to Work” Program: Get Your Counseling Requirement Fulfilled Here

We are here to help you get the required counseling that is needed to obtain a new FHA mortgage – even if you’ve recently lost your home or declared bankruptcy.

About the Program

Under the new federal program called “Back to Work – Extenuating Circumstances”, if you have had a foreclosure, short sale, deed-in-lieu of foreclosure, or have declared bankruptcy you may qualify for a new home loan if you are back to work and can document the extenuating circumstances. Credit.org is here to help you complete the program qualifications.

Do You Qualify?

FHA will consider you for eligibility if you had a financial hardship in the past but can now document the following circumstances about yourself:

  1. You meet FHA loan requirements
  2. You can document the mortgage or credit problems resulted from a financial hardship
  3. You have re-established a responsible credit history
  4. You have completed HUD-approved housing counseling

A lender will first have to determine if you meet the FHA loan requirements before you can apply for a FHA loan under the Back to Work program. You will need to explain how the financial hardship was something beyond your control that reduced your income or caused you to lose employment. If your household income dropped by 20% or more for at least six months, it may count for this type of financial hardship.

To re-establish credit you must have a 12 month record of on-time rental housing payments with no delinquencies, and not have been 30 days late on more than one non-housing loan payment. If you still have any open collection or judgment accounts, then a “capacity analysis” will be done to see if you can repay those creditors.

How to Get Started

To start an application with a FHA-lender you must first take a “Pre-Purchase Counseling” course with a HUD approved housing counseling agency 30 days before you start the application. A certified counselor will assess your debt, ability to afford the mortgage, features of the mortgage, explain mortgage insurance and the loan application process. Credit.org is a HUD-approved housing counseling agency, and can help you make sure you have done everything you need to do to access the “Back to Work–Extenuating Circumstances” program. You will need to complete your counseling at least 30 days before you apply for a new FHA mortgage. Your certificate is valid for 6 months.

Credit.org’s Priority Pre-purchase Counseling℠

Credit.org offers the HUD-approved housing counseling that is required for your FHA loan application.

If the recession caused a loss of income that led you to lose your home or declare bankruptcy, you can call credit.org for Priority Pre-purchase Counseling and ask about the “Back to Work” program.

Start Now by Calling:

(888) 845-9057
Monday – Friday: 8am to 5pm (Pacific)


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