In 2013, the FHA required manual underwriting for loans with a credit score less than 620 and a debt-to-income ratio greater than 43 percent.
To do things well, one needs to cultivate a deep  BIS Review 23/2005  1  understanding of oneself - not only the strengths and weaknesses but also how one learns, how one works with others, what his or her values are and where he or she can make the greatest contribution.