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Institutional Financial Analysis

Home/Real Estate/FHA LOAN RULE CHANGE · CRYPTO IRS RULING

Tax-free tips could unlock FHA mortgage approvals for 4 million workers

MP

Maeve Prescott

FHA loan rule change · Apr 15, 2026

Tax-free tips could unlock FHA mortgage approvals for 4 million workers

Source: DojiDoji Data Terminal

Tip workers may now qualify for FHA mortgages by declaring more of their earnings. The 'no tax on tips' law allows workers to claim up to $25,000 in annual tip income without federal tax consequences.

Related Brief1d ago
mortgage

First-time homebuyers in Southeast Texas face rising flood and windstorm insurance costs

Monthly mortgage payments for homebuyers in Southeast Texas increase as flood insurance costs have risen over the last decade. This cost is part of a total monthly payment that includes principal, interest, taxes, and insurance. In coastal areas of the region, buyers must also account for windstorm coverage. Tish Cornell of CommonCents Credit Union says the debt-to-income ratio for buyers should remain under 40%.

Lenders use these declared earnings to calculate debt-to-income (DTI) ratios, which the Federal Housing Authority (FHA) uses as a critical threshold for mortgage approval. A higher declared income lowers the DTI ratio.

Related Brief13h ago
market regulation

Retail Traders With Small Accounts Now Have Greater Purchasing Power

Retail traders with smaller accounts now have access to greater purchasing power in U.S. equity markets. This change follows the SEC's approval of a change to FINRA Rule 4210, which officially eliminates the Pattern Day Trader designation and the $25,000 minimum equity requirement. For over two decades, these restrictions limited the ability of retail investors to actively trade without a substantial balance. Broker-dealers must now implement real-time risk monitoring systems that focus on the direct exposure of accounts rather than fixed capital criteria.

For a couple earning tip wages, a combined monthly income of $2,750 would put a $1,200 monthly housing cost at a 43.6% DTI ratio, exceeding the FHA's 31% ceiling. By declaring $25,000 each in annual tip income, that couple's monthly income rises to approximately $4,833, dropping the DTI ratio to 24.8%.

Related Brief16h ago
tax law

Louisiana Tax Refunds Rise 11% Following Working Families Tax Cut

The average tax refund in Louisiana is up 11% from last year. This increase is the result of the Working Families Tax Cut, which permanently increased the standard deduction to $31,500 for families and $15,750 for individuals. The law also raised the Child Tax Credit to $2,200 per child and introduced a deduction for seniors 65 or older of up to $6,000 for those filing individually and $12,000 for those filing jointly. Additionally, the law eliminated taxes on tips and overtime pay for qualifying workers.

FHA loans generally require a two-year history of stable employment and income. The FHA also considers a back-end DTI, which includes total debt including car, student loan and credit card payments, with a typical maximum of 43%.

Related Brief19h ago
property taxes

Harris County homeowners can reduce property taxes through April 30

Homeowners in Harris County can reduce their property tax bills by claiming exemptions they qualify for before the April 30 deadline. The Harris Central Appraisal District has launched an Exemption Wizard, an online questionnaire that determines eligibility for the residential homestead exemption, exemptions for those 65 and older, and exemptions for those with disabilities as defined by the the Social Security Administration. The tool links to users to electronic applications to complete the process without visiting a physical office. This process is facilitated by the Harris Central Appraisal District.

This policy change may help approximately 4 million people buy their first home or upgrade.

Related Brief22h ago
personal finance

A spring financial reset starts with the employer match you're leaving on the table

If you're not contributing enough to your workplace retirement plan to get the full employer match, you're leaving free money on the table — and it's compounding the longer you wait. This isn't a hypothetical future problem: it's a measurable loss, dollar for dollar, every pay period. Abby Reed, Co-CEO of Reed Financial Group, recommends using the post-holiday, post-tax-season window to fix exactly this kind of gap. The employer match is the most immediate financial foundation, because it offers an instant, guaranteed return on your contribution. After that comes building an emergency fund and reducing high-interest debt — both of which protect income and prevent backsliding. For those receiving tax refunds, Reed suggests balancing modest rewards with progress on these goals, then directing the remainder toward the foundation. Once those are in place, increasing contributions to tax-advantaged accounts and investing beyond retirement accounts become realistic next steps. But the match comes first — because it's the one financial move that pays you just for showing up.

FHA loan rule changecrypto IRS ruling

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