Why Your myFICO Score Differs From What Your VA Lender Sees
Why your myFICO score differs from what a VA lender sees, and what to do when a spouse's credit score is much lower. Two paths military families can compare.
Blog
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How to Buy a Home Today: A Step-by-Step Walkthrough From Preparation to Closing
A plain, step-by-step homebuying roadmap from credit check and preapproval to closing day, with a Charleston insurance tip you should not skip.
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What Happens to Your Mortgage After Your Loan Officer Hands It Off to Processing
Worried your loan will get lost after the loan officer hands it to processing? Learn what a solid handoff looks like and the questions to ask any lender.
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USDA Now Allows Rural Homes With Income-Producing ADUs
USDA loans can now buy rural homes with an income-producing ADU, and non-commercial work-from-home features can qualify. See what changed and what to do first.
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The 43 Percent FHA Debt-to-Income Wall Is Not the Whole Story
Told your DTI is over 43 percent? See what the FHA guideline says about manual underwriting, compensating factors and TOTAL AUS, plus the question to ask.
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How William Went From Fearing Job Changes to Building an FHA Stability File
Changed employers several times and wondering about an FHA loan? See what the FHA guideline says and the exact question to ask your lender.
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Lenders May, Not Must, Use VantageScore 4.0
The FHFA says lenders may use VantageScore 4.0, not must. Here is what agents and buyers should say when someone insists the lender has to use it.
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How to Cover the Gap When You Assume a Low-Rate VA Loan
Assuming a VA loan means taking over the seller's balance, not the price. Learn three ways military buyers cover the gap, using Paisley's example.
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Pearlie Almost Lost Her Dillon, SC House and Her FHA Loan Over One Sentence
Pearlie planned an FHA rental near Dillon, SC. Learn the 60 Day move-in rule, the one year of intent, and the exact question to ask before you offer.
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Anthony Almost Lost His Home Purchase Over a Debt FHA May Not Count
FHA Section II.A.4.b.iv.K: 30-Day Accounts paid in full monthly stay out of your DTI, but one late payment means 5 percent of the balance counts.
