Agency Guidelines: Mortgage IQ

Built by Joshua Jones, a solo developer serving mortgage professionals. MortgageIQ is a working pocket reference for loan officers, processors, underwriters, and brokers. Ask an underwriting question in plain English and get an answer drawn only from the official Fannie Mae Selling Guide, Freddie Mac Seller/Servicer Guide, FHA Handbook 4000.1, and the VA Lender's Handbook. No generic AI guesswork — tappable citations take you straight to the source text. THE COMPLETE GUIDES, NOT SUMMARIES Every underwriting and program section of the Fannie Mae Selling Guide (Part B), the Freddie Mac Seller/Servicer Guide (4000 and 5000 series), FHA Handbook 4000.1 (origination, plus the MIP and IRS-form appendices), and VA Lender's Handbook chapters 2–16 — more than 3,800 passages of official text, word for word. CITATION-GROUNDED ANSWERS Answers are built from the official passages that match your question, each with its section number, edition, and a link to the source. Filter by agency to focus on the program you're actually underwriting, and revisit past questions from history with your filters intact. 2026 LOAN LIMITS FOR EVERY COUNTY Look up conforming, FHA, and VA limits for 3,200+ counties, complete with high-balance ceilings and implied maximum purchase price. Fast enough to check on a call. SIDE-BY-SIDE AGENCY BENCHMARKS Compare the rules that decide files: minimum credit scores, DTI ceilings, waiting periods after bankruptcy, foreclosure, or short sale, large-deposit sourcing, reserve requirements, and more — all four agencies in one grid. KEPT CURRENT AUTOMATICALLY MortgageIQ checks all four agencies every day. When a section is revised, the new official text reaches your phone in the background — no app update needed. BROWSABLE GUIDELINE LIBRARY Read each guide chapter by chapter, search all four guides at once, or jump straight to a section number like B3-6-02, 5501.4, or II.A.4. WORKS OFFLINE The full guide text and county loan limits live on your device, so searching and reading work anywhere. Underwrite from a basement office, a closing table, or a plane with no connection at all. COUNTED THE WAY LENDERS COUNT PITIA-based reserves, 50% large-deposit thresholds, effective income, VA funding fee rates, and residual income tables — the math and thresholds match how files are actually reviewed. Built for professionals who need the right answer the first time, not a consumer mortgage calculator. Download MortgageIQ and put the agency handbooks in your pocket. MortgageIQ is a reference tool. It is not affiliated with, endorsed by, or sponsored by Fannie Mae, Freddie Mac, HUD/FHA, or the U.S. Department of Veterans Affairs, and it is not a substitute for the full published handbooks or your lender's overlays. Always verify against the current official guideline before making a credit decision. MORTGAGEIQ PRO MortgageIQ is free to use with 3 AI answers per day. MortgageIQ Pro is an optional auto-renewable monthly subscription ($4.99/month in the U.S.) that unlocks unlimited AI answers. Payment is charged to your Apple ID at confirmation of purchase. The subscription renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.mortgageguidelineiq.com/privacy-policy