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ByGustan Cho
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FICO Credit Score: Mortgage Requirements and How to Qualify in 2025 Your FICO credit score plays a significant role in…
ByAlex Carlucci
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In this blog, we will discuss and cover the types of mortgage lenders homebuyers can consult with to get pre-approved…
ByGustan Cho
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Conforming Loan Underwriting Guidelines: What You Need To Know in 2025 If you’re considering buying a home and want a…
ByGustan Cho
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This guide covers why underwriters issue denials on mortgage loans. The mortgage process should not be a stressful process and…
ByGustan Cho
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This guide covers rebuilding and re-establishing your credit by being an authorized credit card user. There are many home buyers…
ByGustan Cho
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This guide covers borrowers cost out of pocket in the mortgage process. There are two types of costs involved when…
ByGustan Cho
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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…
ByAlex Carlucci
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In this guide, we will cover self-employed mortgage borrowers with no income tax returns required on a home purchase. Many…
ByAlex Carlucci
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Refinancing Non-QM to Conforming Loans in 2025: A Smart Move for Lower Rates If you have a non-QM loan and…
ByGustan Cho
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Mortgage One Day Out of Foreclosure: How to Get Approved Fast in 2025 Are you trying to get a mortgage…
ByGustan Cho
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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
ByGustan Cho
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This guide covers mortgage rate forecast and outlook seem promising with the election of a new President. Mortgage rate forecast…
ByGustan Cho
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Non-QM Loans for Real Estate Investors: A Smart Alternative to Hard Money in 2025 If you’re a real estate investor…
ByGustan Cho
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This guide covers the Fannie Mae guidelines on conventional loans with a waiting period after mortgage part of bankruptcy. Many…
ByGustan Cho
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When Is Rental Verification Required? A Complete Guide for Borrowers in 2025 One of the most common questions we hear…
ByGustan Cho
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This article will cover what escrow hold back is in the mortgage loan process. We will discuss escrow hold back…
ByAnngelli Abenes
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This guide covers what a clear-to-close on FHA loans means. What does a clear-to-close on FHA loans mean for borrowers?…
ByAlex Carlucci
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Understanding DTI Manual Underwriting Guidelines for FHA, VA, Non-QM, and Alternative Loans (2025 Update) Debt-to-income (DTI) manual underwriting guidelines are…
ByAlex Carlucci
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Mortgage brokers are paid a commission, referred to as Yield Spread Premium Explained, from wholesale mortgage lenders or end lenders,…
ByGustan Cho
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This blog examines the eligibility requirements for FHA loans after unemployment or employment gaps. Prospective FHA loan applicants now have…
ByAlex Carlucci
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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.
ByGustan Cho
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FHA Debt-To-Income Ratio Requirements: What You Need to Know If you’re applying for an FHA loan, one of the most…
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