USDA LOAN

The USDA (United States Department of Agriculture) mortgage program offers loans to help low to moderate-income individuals or families in rural areas buy,…

Read More
AMENDMENTS 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 More
HOURLY 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 More
MANUAL 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 More
PROPERTY 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…

Read More