OVERTIME INCOME AND THE DIFFERENCES WITH EACH LOAN PROGRAM Most people likely think overtime calculations are the same across the board for Fannie, Freddie,…

Short answer Lenders typically count a timeshare loan as an installment debt in your debt-to-income ratio, so it can change how much home you qualify for. How it is treated can vary by loan program and lender. Call or text 904-880-6741 Ask about your actual file — no SSN, no credit pull. By Nathan Young,…

Selecting the right mortgage lender is a critical step in the home-buying process. The lender you choose can significantly impact your financial future, so…

If you’re a homeowner with a mortgage, you’ve likely come across something called mortgage insurance.

Short answer Working for a family member does not disqualify you. It does trigger extra documentation — typically proof that you have no ownership interest in the business, plus independent verification of the income. Call or text 904-880-6741 Ask about your actual file — no SSN, no credit pull. By Nathan Young, founder and president…

Short answer Most denials come down to credit, debt-to-income, income documentation, assets or the property. A denial from one lender often is not the end, because another lender’s guidelines may fit. All loans are subject to credit approval. Call or text 904-880-6741 Ask about your actual file — no SSN, no credit pull. LOW CREDIT…