FHA purchase
Credit review, disputes of items you believe are inaccurate, and letters of explanation so an FHA lender can read the file instead of kicking it for collections and late pays.
HUD program deals we assist with
We help you prepare for HUD and FHA deals — credit, documents, and the package a lender or agency actually opens. We do not award the deal.
If the block is credit, missing paperwork, or a messy file, that is the job. You stay the buyer, borrower, or nonprofit applicant. We prepare. HUD and the lender decide.
Download the checklist (PDF, 155 KB)
FHA 203(k) rehab
File prep when the deal is a house that needs work. Credit + document stack. Rehab underwriting stays with the lender.
HUD Homes / REO
Get the credit and paperwork ready if you are chasing a HUD-owned property deal through a HUD-registered realtor and lender.
Down-payment / DPA stacked with FHA
Organize income, housing history, and credit so a down-payment assistance or first-time buyer program can sit on top of FHA.
Nonprofit HUD grants
Package HOME, CDBG, counseling, or housing-grant applications for 501(c)(3)s. We write the file. The agency awards it.
Housing-authority / Section 8 files
Credit review and document cleanup when a housing-authority or voucher-related deal is stuck on the report, not on the interview.
How assistance works
Consult, pull the goal (which HUD or FHA deal), list what the file is missing, then credit work and packaging in writing. We refer official HUD counseling when the deal requires it. We do not list houses, lock rates, or issue mortgage insurance.
Top Shelf Fundability LLC is not the U.S. Department of Housing and Urban Development, not an FHA lender, and not a HUD-approved counseling agency. Approvals belong to lenders and HUD. We do not guarantee any approval or credit result.