Buying Near Lugoff? If a Lender Told You to Cash Out Your Retirement Account, Read This
Told to cash out your retirement account for a USDA down payment near Lugoff? See what USDA Paragraph 4.6 says and the exact question to ask your lender.
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3 Years, 4 Factors: How Alimony and Child Support Count on a VA Loan
Can alimony or child support count as income on a VA loan? Follow Matilda through the 3-year rule, the 4 factors, and the question to ask your lender.
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VA Loans and VantageScore 4.0: What Lucy Learned About Minimum Scores
VA does not have a minimum credit score requirement. Learn what that means for VantageScore 4.0, lender overlays, and the one question to ask every lender.
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100% P&T Veterans and Escrow: What Still Rises When Property Tax Is Exempt
Property tax exempt as a 100% P&T veteran? Your escrow can still rise. Here is what moves, why, and what to do about it with a VA loan.
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From Guessing to Knowing: How Lenders Count a Salaried Paycheck
Nolan went from guessing to knowing how a lender counts his salary. Learn the conventional rule on current base pay rate and the question to ask your lender.
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3 Things That Decide How USDA Reads Valentina's Payment Shock
Valentina's USDA payment shock story: the 100 percent line, the unmeasurable trap, and why a 640 credit score matters under Paragraph 4.24.C.
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Only Base Pay Counts? The FHA Guideline Says Otherwise
Julie, an active-duty buyer, learns FHA guideline Section II.A.4.c.xii.C.1 counts more than base pay as Military Income, and why education benefits are excluded.
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From Tossed Out to Counted: How Stella's Weekend Job Worked in Her VA Loan
Stella's weekend job went from tossed out to counted. Learn the VA guideline on part-time and second-job income and the question to ask your lender.
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FHA Two Credit Score Models: Why Both Must Pass for an Accept
If a lender submits two credit score models to FHA's TOTAL Scorecard, both must pass for an Accept. Here is the HUD rule and one question to ask your lender.
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Seller Fixed Items for the Last Buyer: Does a VA Buyer Still Need an Inspection?
The seller says repairs were done for the last buyer. Does a VA buyer still need an inspection, or is the appraisal enough? Here is the clear answer.
