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While qualifying for the FHA loan, there are many documents that are needed. The list of documents are income, credit, savings, ratio’s, FHA loan closing costs, loan processing, submission, underwriting, FHA loan approval, loan documents, funding the FHA loan, recording, closing your escrow, property appraisal, and information on possible delays. The FHA loan program needs all of this information in one file for the approval of the FHA loan. If there are some missing documents, then the underwriter will keep sending the file back and this will make the Fha loan process get very long and drawn out and will start to cause frustration.