Sellers must price smart; buyers gain leverage Inventory finally caught up with demand in September, and the market took a welcome breather from midsummer heat. Here’s what changed, and what it means if you’re buying or selling this fall. Quick…
Winning an FHA manual underwrite Buying or refinancing with FHA and just heard “manual underwriting”? Don’t panic, this isn’t a denial, it’s a slower, hands-on review to make sure your loan still works. Lenders use manual underwriting when an automated…
Qualifying for a Mortgage Using Overtime Income When applying for a mortgage, borrowers often wonder whether overtime pay can be counted as qualifying income. The answer is yes, but only under specific conditions. Understanding how overtime income is evaluated helps…
Strong Mortgage Options for VA borrowers. This guide is for Veterans, active-duty service members, and surviving spouses planning to buy or refinance a home in Pennsylvania, especially the Philadelphia metro’s five core counties (Philadelphia, Bucks, Montgomery, Chester, and Delaware), or…
See side-by-side loans, real monthly costs, and equity growth in minutes. Buying a home is exciting, and a little overwhelming. Rates, points, PMI, closing costs, taxes, insurance… it’s a lot. We build this comparison tool to make those trade-offs crystal…
What 90% LTV cashout means, who qualifies, and how to structure it Tapping your equity can fund renovations, consolidate higher‑interest debt, or boost reserves. Some programs now allow cash‑out refinancing up to 90% loan‑to‑value (LTV) on certain primary‑residence scenarios, often…
Fannie Mae Now Lets Some ADU Rent Help You Qualify for a Mortgage Accessory Dwelling Units can turn a home into a smarter financial move. Fannie Mae’s latest update allows certain borrowers to count a portion of ADU rent toward…
FHA streamline basics with competitive rates and simple steps If you already have an FHA loan on your primary home, the FHA Streamline Refinance is the least fussy path to a lower payment. It keeps the same loan type, often…
Conventional follows Fannie Mae and Freddie Mac, FHA follows HUD, Non-QM is lender specific Not all mortgages follow the same playbook. Conventional loans largely follow standards set by Fannie Mae and Freddie Mac. FHA loans follow rules from HUD. Non‑QM…
Restricted Stock Units and Mortgages When applying for a mortgage, some applicants may receive a portion of their income through Restricted Stock Units (RSUs). These are a form of equity compensation often used by public companies to incentivize employees. While…
