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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…
First Responders - How to qualify for a home loan even with inconsistent paychecks Being a first responder comes with long hours, emotional stress, and an unshakable commitment to public service. But when it comes to buying a home, your…
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…
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…
No, the Housing Market Isn’t About to Crash—Here’s What’s Really Happening If you’ve been watching the news, scrolling social media, or just talking with friends and family lately, there’s a good chance you’ve heard someone ask: “Is the housing market…
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…
What It Means for Borrowers and the Industry In a significant policy shift, the Federal Housing Finance Agency (FHFA) has directed Fannie Mae and Freddie Mac to terminate their involvement in Special Purpose Credit Programs (SPCPs). The announcement, made end…
Important FHA Loan Update The Federal Housing Administration (FHA) has issued an important policy update that will impact borrower eligibility for FHA-insured mortgages. Mortgagee Letter 2025-09, released on March 26, 2025, outlines a significant change to residency requirements for FHA…
The Truth About Credit Inquiries and Your Mortgage Journey When it comes to applying for a mortgage, one of the most common concerns we hear from potential homebuyers is, “Will this hurt my credit?” They’re usually referring to the hard…
How We Save You Money on Your Mortgage When shopping for a mortgage, one of the biggest concerns for homebuyers and homeowners looking to refinance is getting a competitive interest rate. At Innovative Mortgage Brokers, we pride ourselves on offering…
