FHA Down Payment Requirements
How Much You’ll Need to Buy in PA or FL Buying a home in Pennsylvania or Florida comes with choices, and one of the most popular mortgage programs for first-time buyers and those with limited savings is the FHA loan…
FHA or Conventional: Which Mortgage Is Better
Make the Right Choice by Focusing on Monthly Cost When you start exploring mortgages, two of the most common options are FHA loans and conventional loans. Both can get you into a home, but the better choice depends on your…
Minimum Documentation Rules for Self-Employed Borrowers
What Lenders Are Looking For, And When One Year of Returns Is Enough Navigating the mortgage process as a self-employed individual often requires more paperwork than for traditional W-2 employees. But don’t worry, if you don’t fit into the traditional…
Mortgage Qualification with Tip Income
How Mortgage Lenders View Tip Income For workers in industries like hospitality, personal services, and food service, tip income can represent a substantial portion of total earnings. When applying for a mortgage, tip income can be used to help qualify,…
Can Temp Workers Qualify for a Mortgage? Yes.
Mortgage Tips for Temp Agency Workers In today’s job market, more people are choosing flexible work arrangements through temp agencies and staffing firms. Whether it's in healthcare, IT, manufacturing, or professional services, temporary work is no longer just a short-term…
Understanding Mortgages with Fluctuating Income
How Buyers with Commission, Overtime, or Irregular Hours Can Still Qualify If your paycheck changes from week to week, maybe because you earn commission, tips, or work variable hours, qualifying for a mortgage might feel confusing. But the good news…
Getting a Mortgage as a Truck Driver: What You Need to Know
The trucking industry is the backbone of American commerce, keeping goods moving across the country 24/7. If you're a truck driver looking to buy a home, you might be wondering how your unique income structure affects your ability to qualify…
Navigating Mortgages for Union Workers
A Complete Guide for Short-Term Contract Employees Union workers are the backbone of many essential industries - from construction and manufacturing to healthcare and public service. While union membership offers incredible benefits like job security, structured wage increases, and comprehensive…
Understanding FHA’s 100 Mile Rule
When You Can Keep Your Current Home and Get Another FHA Loan If you currently have an FHA loan and are considering buying another home, you've probably heard about FHA's "100 Mile Rule." This guideline is one of the most…
Tech-Enhanced, Never Tech-Replaced
Our approach to using technology for a smoother mortgage experience. In today's rapidly evolving world, technology has dramatically transformed virtually every industry—and mortgages are no exception. Innovations like online applications, automated underwriting, and digital document submissions have certainly made the…
