If You're in Credit Counseling and Think That Means No FHA Loan, Here's Why That's Not True
If you're in credit counseling and think that blocks an FHA loan, here's the exact HUD rule that says otherwise, plus what to say to your lender.
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VA Streamline vs Conventional Refinance: The Paperwork Gap Every Veteran Should Know
Already in a VA loan? See why a VA streamline refinance asks for far less paperwork than a conventional refinance, and what to do today.
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Sarah Almost Brought a Binder to Her VA Refinance - Here's the Actual VA IRRRL Document List
The real VA IRRRL document list is only three items. See what each one is for and why the VA skips income docs and appraisals.
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If You're a Veteran Near Fort Jackson on VA Disability and Your DTI Is 'Too High,' Read This First
Veteran near Fort Jackson on VA disability? Learn the VA rule for grossing up tax-free income on your DTI ratio and the exact question to ask your lender.
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If You Filed Chapter 13 Bankruptcy, Here's When Your FHA Clock Actually Starts
FHA's Chapter 13 two-year clock starts at your discharge date, not your filing date. See Gianna's story and what to check today.
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Three Words That Decide If Your Mixed-Use Property Qualifies for a Conventional Loan
Three words decide mixed-use loan eligibility. Learn the exact Fannie Mae B2-3-04 test that saved Eugene's conventional refinance near Hollywood, SC.
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Why Your VA Loan Servicer Will Never Call You With A Lower Rate
Why your VA loan servicer never calls with a lower rate, and how the VA IRRRL lets you refinance through any lender without one.
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Pam Was Three Weeks From Closing Near Isle of Palms When a Car Payment Almost Killed Her FHA Loan
Pam nearly lost her FHA loan over a co-signed car payment. Learn the exact FHA rule that can exclude contingent liabilities from your DTI.
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Will My Payment Definitely Go Down If I Refinance My VA Loan?
Will refinancing your VA loan definitely lower your payment? Learn the real net tangible benefit test VA requires before any IRRRL can close.
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If You've Got a Judgment on Your Credit Report and You're Applying for a USDA Loan Near Johns Island, Read This First
Got a judgment on your credit report and want a USDA loan near Johns Island? Learn the exact 12-month rule that decides if you still qualify.