The Pre-Approval Question Every Agent Should Now Ask: Which Score Model?
Lenders can now use VantageScore 4.0 or Classic FICO. See why agents should ask which credit score model was used on every pre-approval letter.
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Can Flooring or Carpet Replacement Be Rolled Into a VA Purchase Loan?
Wondering if new carpet or flooring can be rolled into a VA purchase loan? Here is the honest answer and three practical ways to handle it.
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The VA Guideline Detail About a Spouse's Credit That David Never Heard
Spouse not on your VA loan? See what the VA guideline says about her credit history and liabilities, plus the exact questions to ask your lender.
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2 Ways FHA Counts Your Student Loan, and Neither One Is Zero
FHA counts student loans two ways, and neither is zero. See the guideline, what happens when your credit report shows zero, and the question to ask your lender.
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From Worry to Proof: How Penelope Showed Her Pay-in-Full Charge Account Shouldn't Count Against Her VA Loan
Penelope feared her pay-in-full charge account would hurt her VA loan. See what VA guideline Chapter 4, Topic 5, Subsection h says and what to bring.
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Josephine Nearly Lost Her Saluda Home Over One Missing Court Paper
Finished a Chapter 13 plan and want a USDA loan? Josephine nearly lost her home over one missing paper: written Bankruptcy Court permission.
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Why Switching Score Models After Closing Does Not Refund Your Pricing
VantageScore 4.0 is in the conversation, but switching credit score models after closing does not refund pricing. Settle the model at pre-approval.
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How Much Does the VA Funding Fee Exemption Save a 100% P&T Veteran on a $400K Loan?
A veteran with VA disability compensation owes no funding fee. See what that saves on a $400K VA loan and how to confirm the exemption before you close.
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Why Did My Mortgage Servicer Change? What Stays the Same
Got a letter saying a new company will collect your mortgage payment? Learn how servicing transfers work and which loan terms stay the same.
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3 Rules That Decide Whether SNAP Counts on a USDA Loan
3 USDA rules decide whether SNAP counts as repayment income: a 20 percent cap, note signers only, and the lesser of cap or actual benefits. Learn what to ask.
