Property Tax Proration VA Guidelines: Credits, Cash Back, and Cash to Close
Property tax proration VA guidelines help determine how unpaid or prepaid property taxes are divided between the buyer and seller…
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Fannie Mae Second Home Guidelines: Occupancy, Down Payment, and Reserves.
Fannie Mae second home guidelines require the borrower to occupy the property for part of the year and keep exclusive…
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Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Qualifying & Getting Pre-approved | Re-Establishing Credit | Regulations | Videos
Statute of Limitations on Collection Accounts
In this guide, we will cover and discuss the statute of limitations on collection accounts and charge-offs. We will go…
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Videos | Conditional Loan Approval | Mortgage Lender Overlays | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved
Denied by a Bank for Your Mortgage? How to Get Approved With Another Lender
This guide covers getting a home loan approved after a bank denies your mortgage application. There should be no reason…
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HUD 4000.1 FHA Handbook for FHA Loans
This guide is a shortcut guide to the HUD 4000.1 FHA Handbook, Revised for FHA Loans. The HUD 4000.1 FHA…
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Freddie Mac Foreclosure Guidelines: Qualifying for a New Mortgage
Freddie Mac foreclosure guidelines depend on how your new loan is underwritten. For manual underwriting, the standard foreclosure recovery period…
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Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Conventional Loans | FHA Loans | Videos
Do I Have to Pay Collections for FHA Loan Approval
Do I Have to Pay Collection Accounts for FHA Loan Approval? A frequently asked question by people who have had…
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Common VA Overlays: VA Guidelines vs Lender Requirements
Common VA Overlays: VA Guidelines vs. Lender Requirements Common VA overlays are rules that lenders add on top of the…
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VA Loans | Compensating Factors | High Debt To Income Ratio | Manual Underwriting | Qualifying & Getting Pre-approved | Videos
VA Loans With No Credit Scores: 2026 Guidelines
This guide covers VA loans with no credit scores in detail and examines the DTI (Debt-to-Income) requirements. VA loans stand…
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Overdrafts in Bank Statements: Can You Still Get a Mortgage?
Overdrafts in bank statements can raise questions during mortgage underwriting, but one overdraft does not automatically mean your loan will…
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Appraisal Transfer Policy: Can You Transfer an Appraisal to a New Lender?
The appraisal transfer policy is a set of rules that let you move your home appraisal from one lender to…
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Property Tax Prorations at Closing: How Credits Affect Cash to Close
Property tax prorations split property taxes between the buyer and seller based on their ownership duration during the tax period….
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High Debt To Income Ratio | FHA Loans | Manual Underwriting | Mortgage Lender Overlays | Mortgage Processing And Underwriting | Videos
Excluding Debts from DTI Calculations
One of the challenges people who want to buy a house have is having a high debt-to-income ratio. If you…
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Paying Down Credit Cards During Mortgage Process Due to High DTI
Paying Down Credit Cards During Mortgage Process to Lower DTI Paying off credit card debt during the mortgage process can…
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Mortgage Approval for a Home Purchase on Acreage
Mortgage approval for home purchase on acreage is possible with FHA, VA, USDA, conventional, and Non-QM loan programs. There is…
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Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Credit Scores | FHA Loans | First Time Home Buyers | High Debt To Income Ratio | Manual Underwriting | Qualifying & Getting Pre-approved | Videos
FHA Loans with Under 620 FICO in Utah: Credit, Collections, and Approval Guidelines
We will discuss qualifying for FHA loans in Utah with a FICO score under 620, including those with outstanding collections…
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FHA Loans | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Real Estate Topic | Videos
Multiple FHA Loans at the Same Time
This guide covers HUD mortgage guidelines on having multiple FHA loans at the same time. One of the most frequently…
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Credit Supplement for a Mortgage: What It Is and How It Works
In the mortgage world, credit reports are not updated each time there is a payment by the borrower. An example…
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Mortgage Payment Shock: How It Affects Loan Approval
Payment shock can contribute to mortgage denial, but a large increase in housing expenses does not automatically disqualify a borrower….
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Mortgage QC Review Prior Clear to Close: What to Expect
A mortgage QC review prior clear to close is an additional check of selected loan information before closing or funding….
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Credit Score Changes During Underwriting Process: What Happens Before Closing
Your mortgage lender checks your credit when you apply for a home loan. Your credit score determines your mortgage rate and also if you qualify for a loan.
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How to Turn Refer Into Approve-Eligible in AUS
How To Get Refer To Approve-Eligible Per AUS To Qualify For Mortgage: There are ways of trying to get a refer/eligible findings to an approve/eligible per automated underwriting system.
