High-Balance Conforming Loans and Guidelines
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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Buying a Foreclosed Home as First-Time Homebuyers
First-Time Homebuyers Buying a Foreclosed Home First-time homebuyers can purchase foreclosed homes, and a large cash reserve is not always…
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Buying a House While in Chapter 13 Bankruptcy
Can you buy a house while in Chapter 13 bankruptcy? Yes, buying a house while in Chapter 13 bankruptcy is…
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Bad Credit Mortgages | Credit Scores | FHA Loans | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Re-Establishing Credit | Videos
FHA Loan with Low Credit Scores Mortgage Guidelines
2026 Mortgage Guidelines: FHA Loans with Low Credit Scores FHA loans make it possible for people with low credit scores…
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FHA Loan in Montana: Requirements, Loan Limits and Bad Credit Guidelines
An FHA loan in Montana may be a suitable choice for people who have only limited savings or who have…
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ARM vs. Fixed-Rate Mortgage: Understanding How They Function
In this blog, we will cover ARM versus fixed-rate mortgages. ARM stands for an adjustable-rate mortgage. An Adjustable-Rate Mortgage is…
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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
Liabilities in Mortgage Qualification: What Debts Count? When applying for a mortgage, understanding how underwriters evaluate liabilities in mortgage qualification…
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How Student and Car Loans Affect DTI for a Mortgage
Student loans and car payments can reduce the mortgage amount you qualify for, even when you have a steady income…
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Mortgage Lender Overlays | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos
How Loan Officers Qualify Borrowers and Issue Pre-Approvals
This Guide Is About How Loan Officers Qualify Borrowers and Issue Pre-Approvals. Understanding how loan officers qualify borrowers is crucial in the…
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VA Loans with Under 620 Credit Scores Guidelines
In this article, we will discuss and explain the guidelines for VA loans with credit scores under 620. VA loans…
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FHA Loans With Low Credit Scores in Nebraska
FHA loans with low credit scores in Nebraska may help eligible borrowers purchase a primary residence. Borrowers with a credit…
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FHA versus Conventional Mortgage Rates
This guide covers FHA versus conventional mortgage rates on purchase and refinance transactions. One of the most common questions the…
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Credit Scores Required for FHA and VA Loans
This guide covers the credit scores required for FHA and VA loans. Many borrowers are confused about the credit scores…
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Third-Party Search By Mortgage Lenders During Underwriting
Third-Party Search by Mortgage Lenders: What Underwriters Verify Before Closing This guide covers third-party search by mortgage lenders during the…
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High Debt To Income Ratio | Home Mortgages | Home Purchase | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Real Estate Topic | Regulations | Videos
DTI Calculations in Community Property States Guidelines
In community property states, debt-to-income (DTI) calculations differ when a married individual applies for a mortgage without their spouse. The…
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Buying a Condominium vs. a Single-Family Home
Buying a condominium vs. a single-family home comes down to your budget, lifestyle, maintenance preferences, and financing options. A condo…
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How to Qualify for a Home Loan in Community Property States
If you’re married and you buy a home in a community property state, you’ll face different rules for qualifying. Most of these rules come into play if you finance your home with a government-backed home loan like the FHA, VA or USDA programs.
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Housing Bubble 2026: Will the U.S. Housing Market Crash?
Rumors are flying about a possible housing bubble in the US. Are they based in fact, or is this wishful thinking on the part of frustrated would-be buyers?
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VA Cash-Out Refinance Mortgage Loans: Unlock Equity
How does a VA cash-out refinance work? A VA cash-out refinance replaces your current mortgage with a new VA-backed loan…
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Manual Underwriting versus Automated Approval Guide
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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Automated Underwriting System | Bad Credit Mortgages | Charge Off Accounts | Collection Accounts | Videos
Mortgage with Collection Accounts and Charge-Offs
Is it possible to secure a mortgage with collection accounts? The short answer is yes. In this guide, find out…
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What Is PITI in a Mortgage? Full Monthly Payment Guide
All mortgage loan programs require a maximum front debt-income ratio and back debt to income ratio. However, conventional loans do not require a front debt to income ratio. VA loans do not have a debt to income ratio requirements. Lenders can have lender over lender overlays on debt to income ratios.
