You want an FHA loan and you know that you make $70,000 per year and you have very few bills, so you figure you are a shoe in for the program. You contact your local bank and get the process started because you want to start searching for a home. Once the approval comes across, however, you are shocked at the amount you are approved at – it is much lower than you ever anticipated. How did that happen? You have great credit, a good income, and very few bills, what could the problem be? Chances are, unless you are a straight salary employee, the problem is with your income; here are three reasons why.