The loan amount on an FHA loan includes the mortgage insurance premium (MIP). The LTV field does not include MIP therefore causing a Q617 error. Example: loan amount $292,000 + MIP of $5,000 = $297,000 loan amount reported. Value of property = $303,000. If the LTV is calculated manually, 297,000/303,000 = 98.02% but the LTV field would use $292,000 as the loan amount which = 96.369%.
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Opinions are mine and subject to change frequently