Freddie Mac just rewrote the rules for using savings as income. More qualifying income, no age limit, and rentals now allowed.

A debt consolidation refinance Jacksonville homeowners consider usually starts the same way: five payments, three of them at credit card rates, and a house that has quietly gained a lot of equity. Rolling that debt into your mortgage can cut your total monthly outlay by a serious number. It can also be a mistake. The…

Down payment gift funds Jacksonville buyers receive from family are perfectly allowed, and they wreck more loan files than almost anything else. Not because the gift is a problem. Because of how the money moved. A parent hands over $15,000 in cash, or wires it three days before closing, or writes a check from an…

A bank statement loan Jacksonville self-employed buyers ask about is simple at heart: you qualify on the money that lands in your account, not the income left over on your tax return. Most business owners write off everything they legally can. That is smart accounting. It is also the reason a strong earner gets declined…

A new construction mortgage Jacksonville buyers sign is often decided in the builder’s sales office, in about five minutes, based on one number. The builder offers thousands toward your closing costs if you use their lender. That money is real. What is also real is that it sometimes comes back to you as a higher…