Mortgage Blog

All the information you need to buy or refinance your home

08 Dec 2019

What Mortgage Rate Can I Expect?

There are three main factors that determine your mortgage interest rate: Debt-to-income ration (DTI), down payment amount, and your credit score.

18 Oct 2019

Can I use future rental income to qualify for a mortgage?

You can use future rental income to offset the monthly mortgage payment of the property you are buying. The home can be an investment property or one you plan to live in. Here's how the supplemental i...

27 Jun 2019

Can I qualify for a mortgage if I'm employed through a staffing agency?

You CAN qualify for a mortgage if you are employed through a staffing agency or temp agency. As long as your income is stable and consistent, the income can be used to get approved for a mortgage.

10 Jan 2019

How will the government shutdown affect borrowers seeking a mortgage?

Considering getting a mortgage, but not sure what will happen? Already applied and not sure what the status of your loan is with this government shutdown? You're not alone. Direct from the underwriter...

08 Aug 2018

Can the seller and lender credits exceed the total amount of closing costs and prepaids?

Combined seller and lender credits cannot exceed the combined closing costs and prepaids. Unfortunately, Fannie Mae prohibits using the seller or lender credits to make part of the borrowers down paym...

10 Jul 2018

How are student loan payments calculated when qualifying for an FHA loan?

FHA guidelines for calculating the monthly payment on student loans are much more restrictive than Conventional Loans. Our underwriting team explains how student loans get calculated on an FHA mortgag...

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