This document provides guidelines for qualifying borrowers for FHA (DPA Edge) and conventional loans based on their FICO score range. For FHA loans, it outlines the basic requirements for borrowers between 620-639, 640-659, and 660+ FICO scores, including acceptable debt-to-income ratios and required documentation. It also provides alternative qualification options for borrowers exceeding certain guidelines. Similarly, it outlines the requirements for conventional loans based on FICO score range and allows alternative qualifications if debt-to-income ratios are exceeded.