Northern Arizona University: Does this source establish FHA 1–4-unit owner-occupied rules?
DIRECT ANSWER
Original source observation: October 16, 2026. Primary-source review: October 17, 2026. Confirm current dates, costs, eligibility and availability with the linked publisher. Campus facts and general planning guidance do not determine an individual property's lawful use, employment benefits or mortgage eligibility.
No. The CFPB Loan Estimate explainer is mortgage-cost disclosure guidance, not the FHA eligibility or occupancy rulebook. HUD states that FHA home-purchase loans are available for properties with one to four units, and HUD Handbook 4000.1 provides FHA program and underwriting requirements. Ask an FHA-approved lender to apply those rules to the actual property, borrower's occupancy plan, and current loan file.
Sources & verification
- www.hud.gov Independently reviewed primary source
- www.hud.gov Independently reviewed primary source
- www.consumerfinance.gov Independently reviewed primary source
- www.consumerfinance.gov Independently reviewed primary source
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