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How Mortgage Lenders Treat Stipends and Per Diem Pay For professionals in fields like healthcare, transportation, or consulting, per diem or stipend income can make up a significant portion of their total earnings. When it comes to mortgage qualification, these…
A bank statement loan made homeownership possible when full-doc loans said no At Innovative Mortgage Brokers, we believe that your mortgage should reflect your reality, not just your tax returns. That was exactly the case with a recent self-employed client…
What a Fed Pause or Rate Cut Could Mean for Your Mortgage This Year If you've been following the news, you've probably heard a lot of talk about the Federal Reserve "pausing" or potentially "cutting" interest rates. For most people,…
Helping More Buyers Get Into Homes: Conventional 1% Down Program Buying a home is one of the biggest financial steps most people will ever take, but for many, saving up a large down payment is a real hurdle. If that…
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…
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…
FHFA Opens Door to Cryptocurrency in Mortgage Risk Assessments: What It Means for Borrowers and the Housing Industry In a move that could dramatically shift how we think about wealth in mortgage underwriting, the Federal Housing Finance Agency (FHFA) has…
Last updated: July 2025 How Mortgage Markets React to Geopolitical Risk in 2025 With global headlines constantly shifting, from Middle East conflicts to election-year uncertainty in the U.S., many buyers are wondering: what does all this mean for mortgage rates?…
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…
