Fannie Mae-Freddie Mac Charge-Off Guidelines On Conventional Loans
Can you get a conventional loan with charge-offs? The Fannie Mae-Freddie Mac charge-off guidelines do not automatically require every non-mortgage…
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Home Mortgages | Automated Underwriting System | Bad Credit Mortgages | Career Opportunities/Loan Officer Training | Conventional Loans | Credit Scores | FHA Loans | First Time Home Buyers | Home Purchase | Income And Employment | Investment Homes | Manual Underwriting | NON-QM Loans | Qualifying & Getting Pre-approved | Real Estate Topic | Videos
Working With a Loan Officer: Mortgage Process Guide
Working With a Loan Officer: Mortgage Process From Pre-Approval to Closing Your journey with a loan officer begins even before…
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Unsourced Funds in Mortgage Underwriting
Unsourced Funds in Mortgage Underwriting: 2026 Large Deposit and Bank Statement Rules A large deposit in your bank account does…
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Mortgage After Bankruptcy and Foreclosure | Automated Underwriting System | Conventional Loans | FHA Loans | Manual Underwriting | NON-QM Loans | Qualifying & Getting Pre-approved | USDA Loans | VA Loans | Videos
Chapter 13 Trustee Mortgage Approval | FHA, VA & USDA
Securing a mortgage is still within reach, even if your Chapter 13 bankruptcy is ongoing. You do not always have…
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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….
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Mortgage After Retirement: How Retirees Can Qualify
Getting a mortgage after retirement involves qualifying based on income, assets, and credit, even if those come from retirement. Many…
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Job Stability for Mortgage Approval: What Lenders Actually Review
How important is job stability for mortgage approval? The importance of job stability in mortgage approval comes from a lender’s…
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How to Get a Mortgage With Short Employment History
A two-year employment history does not necessarily mean two consecutive years at the same job. You can have gaps in employment and/or multiple jobs in the most recent two years and still qualify for mortgage approval. In some cases, you can qualify for a mortgage with 12 months employment history.
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How Credit Scores Impact DTI When Applying for a Mortgage
Understanding how credit scores impact DTI starts with one important fact: your credit score does not change the mathematical calculation…
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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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Home Mortgages | First Time Home Buyers | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos
How to Prepare for a Mortgage: First-Time Homebuyer Guide
This guide covers how to prepare for a mortgage as a first-time homebuyer. The best way to prepare for a…
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Flood Insurance Mortgage Guidelines by Loan Type and Flood Zone
Flood insurance mortgage guidelines generally require coverage when a building securing a federally regulated, insured, or guaranteed mortgage is located…
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How Mortgage Underwriters Consider Verified Assets For Home Loan
Verified assets for home loan approval are funds that lenders can verify are available for the down payment and closing…
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HUD FHA 203k Loans Manual Underwriting Guidelines for Renovation Loans
In this guide, we will cover HUD FHA 203k loans manual underwriting guidelines for renovation loans. An FHA 203k renovation…
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Mortgage After Bankruptcy and Foreclosure | Conventional Loans | Manual Underwriting | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Re-Establishing Credit
Conventional Loan After Chapter 13 Bankruptcy: Waiting Periods and Guidelines
Timing for Conventional Loans After Chapter 13 Bankruptcy A conventional loan may be obtained after a Chapter 13 bankruptcy; however,…
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3 Percent Down Payment Conventional Loan Requirements
What Are The 3% Down Payment Conventional Loan Requirements And Guidelines? Fannie Mae and Freddie Mac allow a 3% down payment on conventional loans for first-time homebuyers. A first-time homebuyer is a buyer who had no ownership of a home in the past three years.
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Mortgage After Bankruptcy and Foreclosure | Manual Underwriting | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos
FHA Bankruptcy Waiting Period and Mortgage Guidelines
FHA Bankruptcy Waiting Period: Chapter 7 and Chapter 13 Guidelines The waiting period for an FHA loan after bankruptcy depends…
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Conforming Down Payment Guidelines for Homebuyers
Conforming down payment guidelines vary by occupancy, property type, number of units, loan program, and automated underwriting findings. There may…
