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.
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Fannie Mae Guidelines on Timeshare Foreclosure and Mortgage Approval
Fannie Mae guidelines on timeshare foreclosure do not require borrowers to complete the standard foreclosure waiting period that applies to…
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Buying a Home Near Railroad Tracks: What Buyers Should Check
Buying a home near railroad tracks is not automatically a bad investment or a deal-breaker for a mortgage. The important…
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NON-QM Loans | FHA 203k Loan | Fix-and-Flip Mortgage Loans | Hard Money Loans | Home Improvement/Renovations | Home Purchase | House Flipping | Qualifying & Getting Pre-approved | Real Estate Topic | Videos
Fix-and-Flip Mortgage: Loan Guidelines for Investors
Fix-and-Flip Mortgage Guidelines: Loans for Real Estate Investors A Fix-and-Flip Mortgage is short-term financing designed primarily for real estate investors…
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Bad Credit Mortgages | Credit Disputes | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos
How Credit Balance Impacts Credit Scores for Mortgage Approval
Borrowers Need To Realize How Credit Balance Impacts Credit Scores To Qualify For Mortgage: The key to getting a low mortgage rate is to maximize your credit scores prior to applying for a mortgage. It can simply be done by paying down your credit card balance to a 10% credit utilization ratio.
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How Credit Card Balances Affect Debt-to-Income Ratio for a Mortgage
How does a credit card balance affect the debt-to-income ratio? How credit card balance affects debt-to-income ratio depends mainly on…
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Manual Underwriting | Automated Underwriting System | Compensating Factors | FHA Loans | First Time Home Buyers | High Debt To Income Ratio | Videos
HUD Manual Underwriting DTI Guidelines: Your Approval Guide
HUD Manual Underwriting DTI Guidelines for FHA Loans: 2026 Approval Guide Getting a Refer result from an automated underwriting system…
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Conventional Loans | FHA Loans | Investment Homes | NON-QM Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Selling Your Home | Videos
Buying a New Primary Residence While Renting Out Your Current Home
Buying a Second Primary Home While Renting Your Current Home You can buy a new primary residence and keep your…
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Videos | Credit Scores | Manual Underwriting | Mortgage Lender Overlays | Qualifying & Getting Pre-approved | Re-Establishing Credit
Credit Score Mortgage Guidelines for Home Loans
Credit Score Mortgage Guidelines for FHA, VA, USDA, and Conventional Loans This guide covers credit score mortgage guidelines for FHA,…
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FHA Loans with 500 FICO Credit Score
HUD, the parent of FHA, allows borrowers down to a 500 credit score to qualify for an FHA loan. However, for borrowers with under a 580 credit score, a 10% down payment is required.
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Buying a House With a New Job or Employment Gap: Mortgage Guidelines
This guide covers mortgage guidelines for buying a new house when starting a new job or facing an employment gap….
