If You Are Buying With an FHA Loan and Have a Debt Where Payments Haven't Started Yet, Read This
FHA lenders must count non-student debts in deferment or forbearance. See what the guideline says and the exact question to ask your loan officer.
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Betty Almost Lost Her Little River Home Because Child Support Counted for Nothing
Child support can count as FHA qualifying income, but only with proof. Learn the three-year and three-month documentation rule and the question to ask your lender.
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Denied on FICO? Why a VantageScore 4.0 Lender Might See a Different File
Denied on FICO? Approved Fannie Mae and Freddie Mac lenders may now use VantageScore 4.0. Here is the one question agents and buyers can ask a broker.
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PCS Orders and a House That Will Not Sell or Rent: How to Carry Two Mortgages on a VA Loan
Active duty with PCS orders and an unsold house? Learn how a VA lender counts two mortgages and the steps that make buying at the next station possible.
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Healthcare Professionals: Portfolio Loans With Little or No Down Payment
Healthcare careers may qualify for portfolio loans with low or no down payment. Learn how they work and the three questions to ask any lender.
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Zachary Almost Lost His USDA Contract Over One Letter Nobody Mentioned
Zachary almost lost his USDA contract near Blythewood over one letter. Learn what Paragraph 4.16 requires and the question to ask before you sign.
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Lenders Do Not Average Your Credit Scores on an FHA Loan
Lenders do not average your credit scores on an FHA loan. Learn how the Minimum Decision Credit Score is chosen and what the 500 and 580 lines mean.
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If You Sold Your Home in a Short Sale, Here Is When You Can Get a Conventional Mortgage Again
Sold your home in a short sale? Learn the Fannie Mae waiting period under B3-5.2-03, the two-year exception, and the exact question to ask your lender.
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The One Guideline Line Camila Found Before Breaking Ground Near Richmond Hill
Building a home? Learn how conventional guidelines process single-close construction-to-perm loans and set LTV on the lesser of cost or appraised value.
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VantageScore 4.0 and the Thin-File First-Time Buyer: A Referral Partner's Playbook
How VantageScore 4.0 and rent payment history can help thin-file first-time buyers, and the one move agents and referral partners can make today.
