Have questions about FHA loans? We have a link to an FHA Quick Reference Guide on our web site that will help you out. Here's the link ...
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FHA Quick Reference Guide
When Does Mortgage Insurance Go Away?
There is a lot of confusion regarding when mortgage insurance goes away these days. Here's what you need to know: If the loan is a conve...
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Mortgage Insurance Is Easier to Get
Did you know that the underwriting overlays for mortgage insurance have been removed? That means you can get mortgage insurance for a conve...
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Debt-to-Income Reference Sheet
Lenders use a ratio called the Debt-to-Income ratio (referred to as the DTI) to determine whether a borrower makes enough money to qualify f...
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Monsoons of Rajasthan - Photos of Desert in the Rains!
That's smack dab in the middle of a desert, go figure! I first visited Rajasthan in 2010, I was there to trek through the Thar desert ....
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Down Payment Reference Guide
There is a lot of confusion regarding the latest down payment requirements. Here's how to avoid that confusion forever! We have a refer...
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Why Interest Rates Change
We are constantly being asked if interest rates are going to go up or down. Our answer is always the same: we don't have any idea. Her...
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Seller-Paid Closing Costs
Ever had a question about how much a seller can pay towards a buyer's closing costs? Well, question it no more! We have a reference she...
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Here's How Lenders Get the Details
Ever wonder how underwriters find out all the details about a buyer or a property? One of the greatest resources for an underwriter is the ...
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How to Calculate Self-Employed and Rental Income
We get many calls from consumers and real estate agents asking how to calculate self-employment income or rental income. It can seem compli...
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When Second Job Income Counts
Many people have second jobs these days and we are often asked when that income counts towards qualifying for a mortgage. Here are the rule...
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What You Need to Know about ARMs
Thinking of getting an adjustable rate mortgage (ARM) now that interest rates are rising? Here's what you need to know: The interest ra...
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Lender Checklist
We get a lot of calls from real estate agents who are looking for new lenders. Many agents say they don't really know how to tell if a ...
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How to Get Pre-Approved for a Mortgage
There is a great deal of confusion about how to get pre-approved for a mortgage (probably because just about anyone can get a job selling mo...
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Do NOT Dispute Credit Accounts
Many credit repair companies advise their clients to dispute accounts on their credit report, telling them the accounts will be removed from...
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Hands Off that Credit Report
Federal guidelines require lenders to refresh credit reports before a real estate closing. We are not looking to see if a borrower's cr...
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Five Star Mortgage Professionals
For the third year in a row, Debbie and Chris have both been awarded the designation of FIVE STAR Mortgage Professional. Once again, we hav...
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