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ByGustan Cho, NMLS 873293
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Verification of Employment: This is really important when you want to get a mortgage. Whether you are buying your home…
ByGustan Cho, NMLS 873293
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In this guide we will cover qualifying and getting approved for VA Loans with debt-to-income ratio. Are you a veteran…
ByJohn Strange, NMLS: 230932
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An auto loan can be a deal killer when it comes to getting qualified for a mortgage. The average monthly auto loan on a new car is $500 per month. $500 per month is equivalent to a $100,000 mortgage payment.
ByGustan Cho, NMLS 873293
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As time pass, the world of home loans is changing. Lenders are looking at various factors, and this makes it…
ByGustan Cho, NMLS 873293
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Mortgage For College Graduates Lending Guidelines: How New Graduates Can Qualify This guide delves into mortgage for college graduates lending…
ByEric Jeanette, NMLS:1330
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If you are married and purchasing a home in a community property state, your spouse’s debts may affect your mortgage…
ByAlex Carlucci, NMLS: 229891
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How credit scores impact DTI is important because lenders look at both numbers when deciding whether you qualify for a…
ByGustan Cho, NMLS 873293
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Mortgage Markets and Interest Rates: Complete Guide for Homebuyers and Homeowners This guide covers the mortgage markets and interest rates….
ByDale Elenteny, NMLS: 904444
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Undisclosed Debt Guidelines During Mortgage Process Most undisclosed debts will be discovered by lenders during a third-party national public records…
ByGustan Cho, NMLS 873293
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Part-Time Income To Full-Time Income Mortgage Guidelines There are strict rules regarding the part-time income to full-time income mortgage guidelines….
ByAlex Carlucci, NMLS: 229891
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What is Required On A Non-Occupying Co-Borrower For A Mortgage? When it comes to getting home loans, buyers sometimes need…
ByGustan Cho, NMLS 873293
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Complete Guide to Front-End Debt-to-Income Ratios for Mortgage Loans When you ask a bank for a mortgage, the lender looks…
ByAlex Carlucci, NMLS: 229891
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How Property Taxes Can Determine Buying Power When Buying a Home In 2026 When people are looking to buy a…
ByGustan Cho, NMLS 873293
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This guide covers calculating monthly mortgage payment on a home purchase. Many first-time homebuyers think they need a lot of…
ByGustan Cho, NMLS 873293
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This blog will cover and discuss how to calculate income for mortgage with multiple jobs. Homebuyers can qualify for a…
ByGustan Cho, NMLS 873293
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Does Co-Signing Affect In Buying Home? Understanding How Co-Signing a Loan Impacts Your Future. Have you ever considered co-signing a…
ByGustan Cho, NMLS 873293
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Some borrowers file amended tax returns to correct errors, update income, or reflect missed deductions, particularly when applying for a…
ByGustan Cho, NMLS 873293
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FHA Debt-to-Income Ratio Requirements 2026: Max DTI Limits, Calculations & How to Qualify for Approval If you’re applying for an…
ByGustan Cho, NMLS 873293
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Updated FHA Loan Requirements: What You Need to Know Big changes are coming to FHA loan requirements in 2026, including…
ByGustan Cho, NMLS 873293
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Qualifying For A Mortgage With High Student Loan Debts And How It Affects DTI On Government and Conventional Loans Buying…
ByAlex Carlucci, NMLS: 229891
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TL;DR: DTI Manual Underwriting Guidelines (2026 Update) If a computer system says “no” to your mortgage because your debt-to-income ratio…
ByGustan Cho, NMLS 873293
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Debt-to-Income Ratio Overlays: What Homebuyers Need to Know Your debt-to-income ratio (DTI) matters to lenders when getting a mortgage. But…
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