Search results for: fha
How to Buy a House With No Money Down in Florida (2026 Guide)
There are special government-backed loans, like VA loans and USDA loans, that require no down payment.
Read MoreVA FUNDING FEES
The VA funding fee is a one-time fee paid to the Department of Veterans Affairs (VA) when taking out a VA-backed home loan.
Read MoreHANDLING IRS PAYMENT PLANS
Tis the season of tax returns being used and folks who did not pay their taxes on time may have a surprise waiting for them.
Read MoreAPPRAISAL RECONSIDERATIONS
One of the areas that the Fannie Mae and Freddie Mac have really been cracking down on is the quality of appraisals as well as fair lending in appraisals.
Read MoreALIMONY AND CHILD SUPPORT INCOME
Short answer Alimony and child support can count as qualifying income with documented proof of receipt and evidence it continues. If you are the one paying, some programs let you subtract it from your income instead of counting it as a debt — which can change your ratios significantly. Call or text 904-880-6741 Ask about…
Read MoreMortgage Application Process Guide
Ensure a credit score >700 for optimal mortgage rates; review credit report for errors. mortgage-broker-meets-with-a-young-couple-4-of-6-FP24NJV Choose…
Read MoreAMENDMENTS IMPACTING APPRAISALS
Short answer A contract amendment after the appraisal is ordered can force a new appraisal, a re-inspection, or a change to your loan amount. Tell your lender before you sign the amendment, not after — that order matters more than people expect. Call or text 904-880-6741 Ask about your actual file — no SSN, no…
Read MoreHOURLY WORKER INCOME SOLUTION
When Fannie Mae and Freddie Mac added the guideline about variable income they took the normal over time, bonus and commission pay types and added variable…
Read MoreMANUAL UNDERWRITING RATIOS
“Manual underwriting” refers to the process of assessing a borrower’s creditworthiness and making lending decisions based on a thorough review of their…
Read MorePROPERTY FLIPPING RULES
There have been a lot of questions around rules as it pertains to Property Flipping Rules. Property Flipping is when sellers buying a home and then flip it and…
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