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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Owner Financing on Home Purchase for Buyers and Sellers
If you’ve been turned down for a mortgage, it doesn’t mean homeownership is out of reach. One powerful option many…
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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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Fannie Mae and HUD Guidelines on Conforming vs FHA Loans
FHA and conventional loans work best for different borrower profiles. FHA loans are often better for borrowers with lower credit…
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Career Opportunities/Loan Officer Training | Mortgage Lender Overlays | Qualifying & Getting Pre-approved | Videos
Choosing the Right Mortgage Company for Loan Officers
Choosing the Right Mortgage Company: A Loan Officer Career Guide This guide covers choosing the right mortgage company for loan…
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Career Opportunities/Loan Officer Training | Home Mortgages | Home Purchase | Real Estate Topic | Videos
Real Estate Referral Agent for Homebuyers | Gustan Cho
Real Estate Referral Agent for Homebuyers: Find the Right Buyer’s Agent This guide will cover the preferred real estate referral…
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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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Mortgage Processing And Underwriting | Clear To Close | Conditional Loan Approval | Qualifying & Getting Pre-approved | Videos
When Am I Committed to Mortgage Lender for a Home Loan
In this guide, we will cover and discuss when I am committed to a mortgage lender for a home loan….
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How Property Taxes Can Determine Buying Power on Homes
How Property Taxes Can Determine Buying Power When Buying a Home When people are looking to buy a home, they…
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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.
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Mortgage Processing And Underwriting | Automated Underwriting System | Qualifying & Getting Pre-approved | Videos
Factors Affect Pre-Approval Mortgage Process
This guide explores the factors affect pre-approval and stress during the mortgage process. Once individuals decide to purchase a home,…
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Breaking into the Mortgage Industry as a Loan Officer
Have you ever considered breaking into the mortgage industry as a licensed loan officer? Have you ever considered a job…
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Mortgage Processing And Underwriting | Conventional Loans | FHA Loans | Mortgage Lender Overlays | Videos
The Role of Mortgage Underwriter in the Home Loan Process
In this guide, we will cover the role of a mortgage underwriter during the home loan approval process. The role…
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Videos | Charge Off Accounts | Collection Accounts | Qualifying & Getting Pre-approved | Re-Establishing Credit | VA Loans
VA Loans With Bad Credit in Tennessee
VA loans with bad credit in Tennessee may be available, even when a borrower has a low credit score. The…
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What Does Yield Spread Premium in Mortgage Lending Mean?
Despite its long history, the term ‘yield spread premium’ still puzzles many mortgage professionals. In the past, wholesale mortgage lenders…
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Videos | Bad Credit Mortgages | Career Opportunities/Loan Officer Training | Mortgage Processing And Underwriting | Mortgage Rates | NON-QM Loans
All About Borrower Review of Gustan Cho Associates
In this guide, we will discuss and cover the borrower review of Gustan Cho Associates. Reviews and testimonials are one…
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Three Simple Marketing Ideas for Mortgage Loan Officers
This guide covers three simple marketing ideas for mortgage loan originators. Buying a house can be stressful, particularly for a…
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Conditional Mortgage Approval Delays: Causes and How to Avoid Them
Conditional mortgage approval means an underwriter has reviewed your loan file but still needs specific documents, explanations, or third-party items…
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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
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.
