3.5 Percent: The FHA Cash-to-Close Number That Almost Stopped Gregory's Home Purchase
3.5 percent almost stopped Gregory's FHA home purchase. Learn the real difference between Minimum Required Investment and FHA reserve requirements.
Blog
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If You're Switching Jobs or Your Pay Changes Month to Month, This USDA Rule Decides Whether Your Income Counts
If your pay changes month to month or you switched jobs, this USDA Paragraph 4.2 rule decides if your income counts. Here's exactly what it requires.
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Benjamin Almost Lost His VA Loan Approval Over a Residual Income Number He Never Knew Existed
Benjamin almost lost his VA loan over a residual income number, until a 5% VA guideline reduction saved it. Learn the exact rule and question to ask.
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If You're a Veteran Near MCAS Beaufort With a CD-Secured Loan, Your VA Lender May Be Counting It Wrong
Veterans near MCAS Beaufort with CD-secured loans: learn the VA guideline that excludes them from debt-to-income calculations.
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Horace Almost Lost His Summerville Home Over a Bankruptcy Myth
USDA does not require a 5-year wait after Chapter 7. Learn the real 36-month rule that almost cost a Summerville, SC buyer his home.
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Lucas Found Out One Line in a VA Manual Was the Only Reason His Mortgage Didn't Fall Apart
Why VA lenders sometimes wrongly reject Guard and Reserve drill pay, and the exact guideline that fixes it.
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Two Years of Tax Returns: The FHA Schedule E Rule Every Landlord Should Know
Two years of tax returns decide if your rental income counts on an FHA loan. Here's the add-back rule that changes everything for landlords.
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12 Months: The Number That Decides If Your Student Loan Debt Sinks Your VA Loan
12 months is the number that decides if student loan debt counts against your VA loan. Here's the guideline and what to ask your lender.
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The Gift Check That Almost Cost Ethan His House Near Goose Creek
Ethan almost lost his home near Goose Creek over a flagged gift check. Learn the exact gift letter rule that keeps family down payment help on track.
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Your VA Loan Will Not Fund A Vacation Cabin, And Here Is Why
VA loans require primary-residence occupancy, not vacation cabins. Learn the real rule, the narrow exceptions, and what to do instead.
