ByAlex Carlucci, NMLS: 229891
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TBD Property Mortgage Pre-Approvals: Get Fully Underwritten Before You Find a Home Buying a home can feel confusing, especially when…
ByJohn Strange, NMLS: 230932
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Home Appraisal Review in Mortgage Process: What Borrowers Need To Know Before Closing Buying a home is one of the…
ByGustan Cho, NMLS 873293
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In this blog, we will cover and discuss qualifying for FHA jumbo loans while in Chapter 13 Bankruptcy repayment plan….
ByGustan Cho, NMLS 873293
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AI in the Mortgage Industry: How AI Is Changing the Mortgage Industry: Will AI Help or Hurt MLOs, Processors, Underwriters,…
ByGustan Cho, NMLS 873293
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This guide covers how credit scores affect conventional loans. Two of the most popular mortgage loan programs today are FHA…
ByAlex Carlucci, NMLS: 229891
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In this article, we will discuss and cover how FHA credit score determines mortgage rate pricing on FHA loans. FHA…
ByAlex Carlucci, NMLS: 229891
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Many veterans believe that VA loans are difficult to obtain, take a long time to close, or require flawless credit….
ByGustan Cho, NMLS 873293
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High-balance conforming loans are advanced loan programs ideal for the individuals buying homes in high-cost areas. The loan is for…
ByGustan Cho, NMLS 873293
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A 120-day mortgage late payment on your mortgage does not automatically mean foreclosure. It shows you are seriously behind, but…
ByGustan Cho, NMLS 873293
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Fannie Mae Waiting Period After Deed-in-Lieu and Short Sale Guidelines A deed-in-lieu of foreclosure is one of the toughest financial…
ByGustan Cho, NMLS 873293
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If you are buying a home or refinancing, you might wonder why mortgage lenders request bank statements throughout the loan…
ByGustan Cho, NMLS 873293
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Many homebuyers have substantial value on their 401k. They can use up to 60% of the value of their 401k for their down payment and/or closing costs on their home purchase. The amount used from their 401k is not used for their debt to income ratio calculations.
ByJohn Strange, NMLS: 230932
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Mortgage Conditions From Underwriters During Conditional Approval In this article, we will discuss and cover the mortgage conditions by underwriters…
ByJohn Strange, NMLS: 230932
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Everything You Need To Know About The Loan Estimate In this guide, we will discuss and extensively cover everything you…
ByDale Elenteny, NMLS: 904444
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HARP For Underwater Mortgages Lending Guidelines This guide covers HARP for underwater mortgages. This guide is an update of a…
ByGustan Cho, NMLS 873293
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How Does Down Payment Assistance Work For Homebuyers With FHA, VA, USDA, And Conventional Loans In this guide, we will…
ByGustan Cho, NMLS 873293
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Debt settlement versus bankruptcy is a serious decision, especially if you want to buy or refinance a home in the…
ByJohn Strange, NMLS: 230932
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The Ultimate Guide to Buying Oceanfront Homes in Puerto Rico (2026 Update) Picture starting your day with waves breaking against…
ByAlex Carlucci, NMLS: 229891
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Government Shutdown And Effects To Mortgage Programs: FHA, VA, USDA, Conventional Loans, Closings, And Borrower Delays Have you ever wondered…
ByGustan Cho, NMLS 873293
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In general, borrowers buy down mortgage rates to get a lower rate on their home loans. However, there are instances where borrowers need to buy down rates due to loan level pricing adjustments due to lower credit scores
ByEric Jeanette, NMLS:1330
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If you are married and purchasing a home in a community property state, your spouse’s debts may affect your mortgage…
ByGustan Cho, NMLS 873293
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A land contract home purchase is a way to buy a home directly from the seller without using a traditional…
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