Manual Underwriting

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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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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
ByGustan Cho, NMLS 873293 Posted onSeptember 7, 2026September 13, 2026

HUD Manual Underwriting DTI Guidelines for FHA Loans: 2026 Approval Guide Getting a Refer result from an automated underwriting system…

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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
ByGustan Cho, NMLS 873293 Posted onSeptember 5, 2026September 7, 2026

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 | Manual Underwriting | Mortgage Lender Overlays | Videos

FHA Loans with 500 FICO Credit Score
ByGustan Cho, NMLS 873293 Posted onSeptember 5, 2026September 8, 2026

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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FHA 203k Loan | Manual Underwriting | Videos

HUD FHA 203k Loans Manual Underwriting Guidelines for Renovation Loans
ByJohn Strange, NMLS: 230932 Posted onAugust 27, 2026August 28, 2026

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
ByGustan Cho, NMLS 873293 Posted onAugust 26, 2026September 17, 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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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
ByGustan Cho, NMLS 873293 Posted onAugust 26, 2026August 27, 2026

FHA Bankruptcy Waiting Period: Chapter 7 and Chapter 13 Guidelines The waiting period for an FHA loan after bankruptcy depends…

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Mortgage After Bankruptcy and Foreclosure | FHA Loans | Manual Underwriting | Verification Of Rent | Videos

FHA Chapter 13 Bankruptcy Manual Underwriting Guidelines
ByGustan Cho, NMLS 873293 Posted onAugust 25, 2026September 17, 2026

Borrowers in Chapter 13 bankruptcy may still be eligible to buy or refinance a home with an FHA loan. FHA…

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Bad Credit Mortgages | Automated Underwriting System | Charge Off Accounts | Collection Accounts | FHA Loans | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | VA Loans | Videos

FHA Loans vs VA Loans: Which Mortgage Is Better for You?
ByGustan Cho, NMLS 873293 Posted onAugust 24, 2026August 25, 2026

In this article, we will be comparing FHA loans vs VA loans. VA loans are by far the best mortgage…

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Compensating Factors | FHA Loans | High Debt To Income Ratio | Manual Underwriting | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

FHA DTI Ratios on Manual Underwrites
ByGustan Cho, NMLS 873293 Posted onAugust 23, 2026August 24, 2026

This guide covers FHA DTI guidelines on manual underwrites. The key distinction between manual and automated underwriting system guidelines lies…

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Mortgage Processing And Underwriting | Automated Underwriting System | High Debt To Income Ratio | Income And Employment | Manual Underwriting | Mortgage Denial | Mortgage Lender Overlays | Videos

When Things Go Wrong During the Mortgage Process
ByGustan Cho, NMLS 873293 Posted onAugust 22, 2026August 24, 2026

This guide covers solutions for when things go wrong during the mortgage process. The mortgage process can be very stressful….

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FHA Loans | Home Possible | Manual Underwriting | Mortgage After Bankruptcy and Foreclosure | Qualifying & Getting Pre-approved | Selling Your Home | Videos

How to Buy and Sell a House While in Chapter 13 Bankruptcy
ByGustan Cho, NMLS 873293 Posted onAugust 20, 2026August 24, 2026

Yes, it may be possible to buy and sell a house while in Chapter 13 bankruptcy without waiting for discharge….

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Mortgage Processing And Underwriting | High Debt To Income Ratio | Income And Employment | Manual Underwriting | Qualifying & Getting Pre-approved | Student Loans | Videos

Liabilities in Mortgage Qualification: How Underwriters Calculate Your Debts
ByGustan Cho, NMLS 873293 Posted onAugust 15, 2026August 17, 2026

Liabilities in Mortgage Qualification: What Debts Count? When applying for a mortgage, understanding how underwriters evaluate liabilities in mortgage qualification…

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Manual Underwriting | Automated Underwriting System | Videos

Manual Underwriting versus Automated Approval Guide
ByGustan Cho, NMLS 873293 Posted onAugust 5, 2026August 18, 2026

This guide covers manual underwriting versus automated approval. There are two types of Automated Underwriting Systems (AUS): Fannie Mae’s Automated…

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VA Loans | High Debt To Income Ratio | Home Mortgages | Income And Employment | Manual Underwriting | Mortgage Lender Overlays | Mortgage Processing And Underwriting | Videos

VA Loan Residual Income Guidelines for Homebuyers
ByTanhia Romero Posted onJuly 31, 2026August 10, 2026

Lenders can offer 100% with no mortgage insurance at competitive low mortgage rates on VA loans due to the government guarantee against loss or foreclosure on VA loans. VA loans have no maximum debt-to-income ratio cap on VA loans.

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Manual Underwriting | Compensating Factors | FHA Loans | High Debt To Income Ratio | VA Loans | Verification Of Rent | Videos

DTI Manual Underwriting Guidelines on FHA and VA Loans
ByTanhia Romero Posted onJuly 30, 2026August 31, 2026

DTI Manual Underwriting Guidelines on FHA and VA Loans If a computer system says “no” to your mortgage because your…

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FHA Loans | High Debt To Income Ratio | High-Balance Mortgage Loans | Manual Underwriting | Mortgage Lender Overlays | Qualifying & Getting Pre-approved | Videos

Major Changes in FHA Guidelines HUD 4000.1 Handbook
ByGustan Cho, NMLS 873293 Posted onJuly 28, 2026September 17, 2026

This guide will delve into the major changes in FHA guidelines, specifically the HUD 4000.1 Handbook, which may have implications…

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FHA Loans | Automated Underwriting System | First Time Home Buyers | Manual Underwriting | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Using FHA Loans to Buy a Home: Powerful Tips That Work
ByGustan Cho, NMLS 873293 Posted onJuly 27, 2026July 28, 2026

Buying a home shouldn’t feel confusing. If you’ve had credit bumps or don’t have a big down payment, using FHA…

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Clear To Close | Automated Underwriting System | Manual Underwriting | Mortgage Processing And Underwriting | Videos

Online Mortgage Application: Steps to Clear to Close
ByMike Gracz, NMLS: 1160212 Posted onJuly 27, 2026July 28, 2026

Online Mortgage Application: Everything from Getting Preapproved to Closing In this guide, we will cover and discuss the online mortgage…

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Mortgage Processing And Underwriting | Automated Underwriting System | Clear To Close | Conditional Loan Approval | Manual Underwriting | Qualifying & Getting Pre-approved | Videos

How Do Underwriters Approve Mortgage Loans?
ByGustan Cho, NMLS 873293 Posted onJuly 24, 2026August 27, 2026

How Do Underwriters Approve Mortgage Loans? Complete Underwriting Guide Mortgage underwriters confirm that the loan, borrower, and property fulfill the…

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Bad Credit Mortgages | FHA and VA Streamline Refinance | FHA Loans | First Time Home Buyers | Manual Underwriting | Qualifying & Getting Pre-approved | Videos

FHA Loans in Las Vegas with Bad Credit
ByGustan Cho, NMLS 873293 Posted onJuly 13, 2026September 3, 2026

This blog will discuss getting approved for FHA loans in Las Vegas with bad credit and credit scores down to…

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