ByMike Gracz, NMLS: 1160212
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This blog is about overlays in underwriting on government and conventional loans. The mortgage industry went through a major overhaul…
ByGustan Cho, NMLS 873293
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In this article, we will cover and discuss applying for mortgage with another lender when denied by the original lender….
ByGustan Cho, NMLS 873293
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This guide covers the frequently asked question how I qualify for a mortgage loan and get approved. Mortgage lenders do…
ByMargarett Jurilla
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Closing costs on the loan estimate versus closing disclosure will most likely be different. The itemized closing costs on the…
ByGustan Cho, NMLS 873293
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A mortgage denial with good credit usually means another part of the loan file did not meet underwriting guidelines. A…
ByAlex Carlucci, NMLS: 229891
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In this guide, we will discuss lender versus borrower paid mortgage transactions. Mortgage brokers can often opt to go with…
ByAlex Carlucci, NMLS: 229891
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Understanding HUD Credit Score Guidelines So you want to buy your home, but you are worried about your credit score….
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…
ByMike Gracz, NMLS: 1160212
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In recent years, the United States Virgin Islands have seen an unprecedented boom in tourism. Money started trickling into the island through investments and tourism. This means that even the hospitality industry has directly
ByGustan Cho, NMLS 873293
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The home loan process can often be stressful that some borrowers often think about changing lenders after locking rates. Locking…
ByGustan Cho, NMLS 873293
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Online mortgage shopping changed mortgage lending by giving borrowers more control over how they compare lenders, rates, fees, and loan…
ByDale Elenteny, NMLS: 904444
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Climate change has evolved beyond an environmental concern; it now directly impacts real estate, home insurance, and mortgage affordability. Homebuyers…
ByAlex Carlucci, NMLS: 229891
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Home loans are still available to borrowers with collections, charged-off accounts, or late payments. Lenders are generally willing to approve…
ByAlex Carlucci, NMLS: 229891
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TBD Property Mortgage Pre-Approvals: Get Fully Underwritten Before You Find a Home Buying a home can feel confusing, especially when…
ByJohn Strange, NMLS: 230932
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Home Appraisal Review in Mortgage Process: What Borrowers Need To Know Before Closing Buying a home is one of the…
ByGustan Cho, NMLS 873293
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AI in the Mortgage Industry: How AI Is Changing the Mortgage Industry: Will AI Help or Hurt MLOs, Processors, Underwriters,…
ByGustan Cho, NMLS 873293
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Many homebuyers have substantial value on their 401k. They can use up to 60% of the value of their 401k for their down payment and/or closing costs on their home purchase. The amount used from their 401k is not used for their debt to income ratio calculations.
ByJohn Strange, NMLS: 230932
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Everything You Need To Know About The Loan Estimate In this guide, we will discuss and extensively cover everything you…
ByJohn Strange, NMLS: 230932
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The Ultimate Guide to Buying Oceanfront Homes in Puerto Rico (2026 Update) Picture starting your day with waves breaking against…
ByGustan Cho, NMLS 873293
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In general, borrowers buy down mortgage rates to get a lower rate on their home loans. However, there are instances where borrowers need to buy down rates due to loan level pricing adjustments due to lower credit scores
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…
ByJohn Strange, NMLS: 230932
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In this article, we will cover and discuss how credit disputes affect mortgage process and cause loan denial. The pre-approval…
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