MANUAL UNDERWRITING

Manual mortgage underwriting refers to the process of evaluating a mortgage application without solely relying on automated systems or algorithms.

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PART TIME EMPLOYMENT

Part time employment does not automatically require one or two years as many may think. There is a difference between part time employment and second job…

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Gift Funds

By Nathan Young , founder and president of North Star Mortgage Network, Inc. , an independent mortgage brokerage in Jacksonville, Florida.

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Short answer Most loan programs expect the home to have working appliances — at minimum a functioning kitchen. A missing stove or a torn-out kitchen can hold up an appraisal, and on some programs it means the property does not qualify until it is replaced. Call or text 904-880-6741 Ask about your actual file —…

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Updated August 2026: this post is from 2022 and is kept here as an archive. For the figures that apply now, see 2026 Conforming Loan Limits — the baseline…

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WHEN TO USE ARMS VS. FIXED RATE With rates going in the tank ARM’s will become a topic of discussion with certain borrowers who have expectations of lower…

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