From Shut Out to Ready: The One Document That Matters When Your Ex's Loan Still Has Your Name
Divorced and still on a loan your ex must pay? Learn the FHA guideline on divorce decrees, what the lender must obtain, and the exact question to ask.
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Mackenzie Almost Lost the House Over a Job Change: The VA Income Rule
A recent job change nearly cost a VA buyer the house. Learn how the VA effective income guideline works and the exact question to ask your lender.
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Young Renters With Short Credit Files: Where VantageScore 4.0 Can Help and Where It Cannot
Elena pays rent on time but has a thin credit file. See where VantageScore 4.0 can help young renters, where it cannot, and the first step to take.
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VA Closing Costs on a $400K Loan When the Funding Fee Is Waived
Funding fee waived on your VA loan? Here is what closing costs roughly look like on a $400K purchase and how to bring them down.
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Leon Almost Lost His House Over a New Job: What USDA Paragraph 4.2.A.4 Says
A new job does not automatically mean a denial. See what USDA Paragraph 4.2.A.4 says about job history and the exact words to use with your lender.
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Short Sale Before USDA? Amber Almost Lost Her Shot Counting the Wrong Clock
Sold in a short sale or deed-in-lieu? See how USDA Paragraph 4.14.B.3 sets a 12 or 36 month wait, and the question to ask your loan originator.
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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.
