I had a FHA loan in which I had 3 years of late and payment. I was granted a modification and I then used money from my 401K to get my mortgage current. I recently sold the property, relocated to another state and intended too purchase another property. I received a preapproval for 300,000. I found a house for 310,000. The lender that wrote the preapproval is not returning emails, phone calls or text messages( I am hoping that he is safe… in todays environment, you can never predict what someone is dealing with) All the same he mentioned that he could do a manual underwrite. My question is even with the prior late, am I eligible for a FHA loan?