Debt-To-Income Ratio Overlays Versus Agency Guidelines
Debt-to-Income Ratio Overlays: What Homebuyers Need to Know Your debt-to-income ratio (DTI) matters to lenders when getting a mortgage. But…
Self-Employed Mortgage Borrowers With No Income Tax Returns
In this guide, we will cover self-employed mortgage borrowers with no income tax returns required on a home purchase. Many…
Fast Guide to Buying a Home in Hawaii With Bad Credit
Buying a Home in Hawaii With Bad Credit: Your 2025 Guide to Making It Happen Dreaming of living in paradise…
Escrow Account Mortgage Guidelines on Home Mortgage Loans
This article covers escrow account mortgage guidelines and requirements. Lenders conduct periodic escrow analyses to ensure that the account balance…
Primary Home Versus Second Home Purchase
Primary Home Mortgage Guide: What Counts, What Doesn’t, and How to Qualify When buying a home, one of the most…
Refinancing NON-QM To Conforming Loans
Refinancing Non-QM to Conforming Loans in 2025: A Smart Move for Lower Rates If you have a non-QM loan and…
Mortgage One Day Out of Foreclosure Lending Guidelines
Mortgage One Day Out of Foreclosure: How to Get Approved Fast in 2025 Are you trying to get a mortgage…
Fix-and-Flip Mortgage Loans | Home Improvement/Renovations | House Flipping | Investment Homes | NON-QM Loans | Real Estate Topic | Videos
Investment LLC Property Mortgage Guidelines For Investors
Can You Close Your Investment Property Under A Limited Liability Corporation? Many wholesale real estate investors will not allow borrowers of investment properties to close
Mortgage Rate Forecast and Outlook Seems Promising
This guide covers mortgage rate forecast and outlook seem promising with the election of a new President. Mortgage rate forecast…
Non-QM Loans for Real Estate Investors Made Easy
Non-QM Loans for Real Estate Investors: A Smart Alternative to Hard Money in 2025 If you’re a real estate investor…
Waiting Period After Mortgage Part of Bankruptcy Guidelines
This guide covers the Fannie Mae guidelines on conventional loans with a waiting period after mortgage part of bankruptcy. Many…
Home Mortgages | Credit Scores | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos
FICO Credit Scores Requirements To Qualify For a Mortgage
FICO Credit Scores: What They Are, Why They Matter, and How to Get a Mortgage Your credit rating is essential…
When Is Rental Verification Required By Mortgage Lenders
When Is Rental Verification Required? A Complete Guide for Borrowers in 2025 One of the most common questions we hear…
Primary Home Status When Qualifying For a Mortgage
This guide covers primary home status when qualifying for a mortgage. When a mortgage loan borrower applies for a residential…
Refinancing NON-QM Loans To Traditional Mortgages
Refinancing Non-QM Loans: How to Lower Your Rate and Save More If you took out a Non-QM loan to buy…
Mortgage Processing And Underwriting | Clear To Close | Home Purchase | Home Sellers | Real Estate Topic | Videos
Escrow Hold Back For Home Repairs
This article will cover what escrow hold back is in the mortgage loan process. We will discuss escrow hold back…
Understanding VA Mortgage Rates And LLPA
This Article Is About Understanding VA Mortgage Rates And Loan Level Pricing Adjustments VA loans are the best home mortgage…
What Does a Clear-to-Close on FHA Loans Mean?
This guide covers what a clear-to-close on FHA loans means. What does a clear-to-close on FHA loans mean for borrowers?…
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
Understanding DTI Manual Underwriting Guidelines for FHA, VA, Non-QM, and Alternative Loans (2025 Update) Debt-to-income (DTI) manual underwriting guidelines are…
Yield Spread Premium Charged By Mortgage Brokers
Mortgage brokers are paid a commission, referred to as Yield Spread Premium Explained, from wholesale mortgage lenders or end lenders,…
FHA Loans After Unemployment Mortgage Guidelines
This blog examines the eligibility requirements for FHA loans after unemployment or employment gaps. Prospective FHA loan applicants now have…
Manual Underwriting With Late Payments Mortgage Guidelines
Can You Qualify For Manual Underwriting With Late Payments? VA and FHA allow manual underwriting for borrowers who cannot get an approve/eligible per automated underwriting system.
