Too my knowledge this is not true at all. The concern I would have is whether FHA will give you a loan for $150 K. Theit LOAN limit in PA may be lower. Having too much income was never discussed when I got the $93 K loan in 1986. FHA provides loans at the lower price range. Please remember that CA real estate is very high priced. Consequently loan limits are higher here than in say Kansas. Sorry to hear about your disappointment with Junum. I am watching your posts with interest.