Conventional Loans

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Working With a Loan Officer: Mortgage Process Guide
ByJohn Strange, NMLS: 230932 Posted onSeptember 9, 2026September 10, 2026

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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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
ByMike Gracz, NMLS: 1160212 Posted onSeptember 7, 2026September 8, 2026

Securing a mortgage is still within reach, even if your Chapter 13 bankruptcy is ongoing. You do not always have…

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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
ByGustan Cho, NMLS 873293 Posted onSeptember 5, 2026September 8, 2026

Buying a Second Primary Home While Renting Your Current Home You can buy a new primary residence and keep your…

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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
ByGustan Cho, NMLS 873293 Posted onAugust 26, 2026August 26, 2026

Timing for Conventional Loans After Chapter 13 Bankruptcy A conventional loan may be obtained after a Chapter 13 bankruptcy; however,…

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Videos | Conventional Loans | High-Balance Mortgage Loans

High-Balance Conforming Loans and Guidelines
ByGustan Cho, NMLS 873293 Posted onAugust 21, 2026August 24, 2026

High-balance conforming loans finance amounts above the national conforming baseline but within the higher FHFA limit for an eligible high-cost…

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Conventional Loans | FHA Loans | High-Balance Mortgage Loans | Jumbo Loans | VA Loans | Videos

High-Balance Mortgage Loans
ByAlex Carlucci, NMLS: 229891 Posted onAugust 21, 2026August 24, 2026

High-balance mortgage loans help qualified borrowers finance more expensive homes, but FHA, VA, and conforming programs define “high balance” differently….

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Conventional Loans | FHA Loans | Manufactured Homes | USDA Loans | VA Loans | Videos

Modular Homes: Mortgage Options and Borrower Qualifications
ByGustan Cho, NMLS 873293 Posted onAugust 18, 2026August 19, 2026

This guide covers modular homes. We will answer the question of can you get a mortgage on modular homes? Yes,…

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Conventional Loans | FHA Loans | Mortgage Rates | Videos

FHA versus Conventional Mortgage Rates
ByGustan Cho, NMLS 873293 Posted onAugust 12, 2026August 17, 2026

This guide covers FHA versus conventional mortgage rates on purchase and refinance transactions. One of the most common questions the…

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Collection Accounts | Conventional Loans | FHA Loans | Videos

Fannie Mae and HUD Guidelines on Conforming vs FHA Loans
ByGustan Cho, NMLS 873293 Posted onAugust 7, 2026August 11, 2026

FHA and conventional loans work best for different borrower profiles. FHA loans are often better for borrowers with lower credit…

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Mortgage Processing And Underwriting | Conventional Loans | FHA Loans | Mortgage Lender Overlays | Videos

The Role of Mortgage Underwriter in the Home Loan Process
ByGustan Cho, NMLS 873293 Posted onAugust 3, 2026August 5, 2026

In this guide, we will cover the role of a mortgage underwriter during the home loan approval process. The role…

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Home Purchase | Conventional Loans | Down Payment Assistance | Real Estate Topic

Homes for Heroes for Firefighters: Save More on a Home
ByMike Gracz, NMLS: 1160212 Posted onAugust 3, 2026August 4, 2026

Is Homes for Heroes’ mortgage for firefighters a special mortgage? No. Homes for Heroes is a savings network, not a…

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Student Loans | Conventional Loans | FHA Loans | High Debt To Income Ratio | Mortgage Processing And Underwriting | USDA Loans | VA Loans | Videos

Income-Based Repayment Student Loan Mortgage Guidelines
ByGustan Cho, NMLS 873293 Posted onJuly 29, 2026July 30, 2026

Features of Student Loan Mortgage Programs and Income-Based Repayment Plans Income-Based Repayment plans can help make federal student loan payments…

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FHA Loans | Condominium Loans | Condotel and Non-Warrantable Condos | Conventional Loans | Real Estate Topic | Videos

FHA Spot Loans on Non-HUD-Approved Condos
ByGustan Cho, NMLS 873293 Posted onJuly 28, 2026July 30, 2026

FHA Spot Loans enables condo buyers to purchase a condo unit in a non-HUD-Approved Condo Complex with an FHA loan.

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Bad Credit Mortgages | Conventional Loans | FHA Loans | Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Videos

FHA Versus Conventional Mortgage After Bankruptcy
ByEric Jeanette, NMLS:1330 Posted onJuly 8, 2026July 9, 2026

Filing for bankruptcy doesn’t completely eliminate the possibility of purchasing a home in the future. When considering an FHA versus…

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Bad Credit Mortgages | Conventional Loans | FHA Loans | VA Loans | Videos

Bad Credit Home Loans in Indiana: Options and Requirements
ByGustan Cho, NMLS 873293 Posted onJuly 7, 2026July 9, 2026

Bad credit doesn’t automatically disqualify you from a home loan in Indiana. Options for bad credit home loans in Indiana,…

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Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Conventional Loans | FHA Loans | Qualifying & Getting Pre-approved | Videos

Past Due versus Collection and Charge Off Accounts Mortgage Guidelines
ByGustan Cho, NMLS 873293 Posted onJuly 6, 2026August 26, 2026

In this guide, we will discuss and cover past due versus collection and charge off accounts when qualifying and getting…

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Home Mortgages | Conventional Loans | Credit Scores | FHA Loans | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Credit Score Needed for Mortgage on Home Loans
ByGustan Cho, NMLS 873293 Posted onJuly 6, 2026July 8, 2026

Credit Score Required for Mortgage on Home Loans This guide covers the credit score needed for mortgage on home loans….

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Student Loans | Conventional Loans | FHA Loans | High Debt To Income Ratio | Videos

Impact of FHA Guidelines on DTI and Student Loans
ByDale Elenteny, NMLS: 904444 Posted onJuly 6, 2026July 9, 2026

Struggling with student loan debt can often feel like attempting to run a marathon with a heavy backpack, particularly when…

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Non-Occupant Co-Borrowers | Conventional Loans | FHA Loans | High Debt To Income Ratio | Videos

How Does FHA Define Family Member Co-Borrowers
ByDale Elenteny, NMLS: 904444 Posted onJuly 5, 2026July 6, 2026

This guide covers how does FHA define family member. In this blog post, we’ll explore FHA’s criteria for defining a…

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Mortgage After Bankruptcy and Foreclosure | Conventional Loans | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Fannie Mae Chapter 13 Dismissal Guidelines
ByGustan Cho, NMLS 873293 Posted onJuly 4, 2026July 6, 2026

In this blog, we will cover the Fannie Mae Chapter 13 dismissal guidelines on conventional loans. One of the most…

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NON-QM Loans | Conventional Loans | Qualifying & Getting Pre-approved | Self-Employed Borrowers | Videos

Non-QM versus Traditional Mortgage Loans
ByGustan Cho, NMLS 873293 Posted onJune 30, 2026July 1, 2026

Non-QM versus Traditional Mortgage Loans: Which is Right for You? Finding your way through the complex array of mortgage choices…

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Conventional Loans | FHA Loans | NON-QM Loans | USDA Loans | VA Loans | Videos

Conforming Loan Limits versus Non-QM Loans
ByMike Gracz, NMLS: 1160212 Posted onJune 30, 2026July 1, 2026

Conforming Loan Limits versus Non-QM Loans on Home Purchase Understanding your financing options is important to making an informed decision…

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