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.
Blog
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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.
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Seller Credits: Why Agents and Lenders Must Align Before the Offer
A lender can only count a seller credit written in the signed contract. Here is how agents and lenders can align before the offer to avoid closing cost surprises.
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Build-to-Rent Communities Can Now Apply for HUD-Insured Multifamily Financing
FHA ML 2026-12 updates the MAP Guide so build-to-rent communities of single-family homes, duplexes or triplexes can apply. Here is what to check first.
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Fannie Mae's October 2026 Updates: What Changes for K-1 Income and Property Rules
Fannie Mae's October 2026 Selling Guide updates change how K-1 income is verified and relax some property rules. Here's what to do before you apply.
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Joshua Was 12 Days From Closing When a Debt That Wasn't His Almost Killed His VA Loan
A veteran was 12 days from closing when an ex-spouse's delinquent debt nearly sank his VA loan. Here's the guideline that fixed it.
