Short answer Commission income generally needs a documented history and gets averaged rather than taken at face value. A strong recent year does not fix a weak prior year — and unreimbursed business expenses can reduce what actually counts. Call or text 904-880-6741 Ask about your actual file — no SSN, no credit pull. By…

grossing up social security income for mortgage

Short answer Most lenders let you gross up non-taxable Social Security income by 15% or 25%, depending on the agency and the documentation in the file. Which one applies to you changes what you qualify for. Call or text 904-880-6741 Ask about your actual file — no SSN, no credit pull. By Nathan Young, founder…

The USDA Guaranteed Loan Program FAQ provides valuable guidance for homebuyers, lenders, and real estate professionals navigating USDA’s Single-Family Housing…

If you’ve been searching for No FICO ITIN loan options , North Star Mortgage Network offers programs designed to expand access to home financing without a…

Understanding the citizenship and residency requirements for mortgage loans is critical for buyers who are U.S.

Short answer A “Refer” from USDA’s automated system is not automatically a denial. Many files can still be reviewed by a human underwriter through USDA manual underwriting, for qualified borrowers. Guidelines may change, and lender overlays may be stricter. Call or text 904-880-6741 Ask about your actual file — no SSN, no credit pull. If…

2026 Update (September 2026) VA sets no minimum credit score. Many lenders set their own. 41% debt-to-income is a guide, not a hard cap. Above 41%, residual income at least 20% over VA’s regional guideline can support approval. On manually underwritten (Refer) files, lenders look closely at your housing payment history, often up to 24…