source:
  type: guide
  id: usda-hb-3555-9.1
  authority: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶9.1 —
    Introduction
  description: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶9.1
    — Introduction.
  coverage_tier: operative
obligations:
- id: usda-hb-3555-9.1-full
  canonical_id: usda-hb-3555-9.1-full
  section: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶9.1 — Introduction
  type: do
  tags:
  - regulator-direct
  - usda
  - usda-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: USDA SFH Guaranteed Loan Program Technical Handbook HB-1-3555 ¶9.1
      — Introduction
    source_class: usda-handbook
    source_url: https://www.rd.usda.gov/sites/default/files/hb-1-3555_consolidated.pdf
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-05-25T14:10:13Z'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: '9.1 INTRODUCTION The lender is responsible to confirm applicants
      and households meet the eligibility criteria for the Single Family Housing Guaranteed
      Loan Program (SFHGLP). Lenders must calculate and document annual, adjusted
      annual, and repayment income. The guidance provided applies to all loans, including
      manually underwritten loans and loans that utilize the Agency’s automated underwriting
      system, Guaranteed Underwriting System (GUS). SECTION 1: ELIGIBILITY INCOME'
  judgment: false
