How Scott Went From a Denied FHA Loan to Clear-to-Close With an Active IRS Tax Lien
Scott had an IRS tax lien and got denied for FHA. Three months later he closed. Here's the exact FHA rule on tax debt most loan officers explain wrong.
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Everyone Says You Need a 620 Score to Buy a House. Here's the Rule That Actually Applies
Everyone says you need a 620 score to buy. The real FHA rule starts at 500. See what actually determines your LTV tier and down payment.
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Everyone Blames Your Credit Card Balance for USDA Denial. Here's What Actually Kills It
USDA loan credit card debt isn't calculated the way you think. Learn the exact 4.22.B.2 rule and what to ask your loan officer before underwriting.
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You Don't Have to Streamline Your VA Loan With Your Current Servicer
Think your IRRRL has to go through your current VA servicer? It doesn't. Learn why any VA-approved lender can do it, and how to shop it right.
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Why Your VA Construction Loan Rate Was High on Purpose (And How the IRRRL Fixes It)
Why VA construction loan rates run high and how the IRRRL refinance is the planned exit once your home converts to permanent financing.
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Nancy Almost Lost Her VA Loan Approval Three Days Before Closing Over One Number
Nancy almost lost her VA loan approval over a 41% DTI ratio. Learn the residual income rule that can save your VA closing.
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Naomi Almost Lost Her Folly Beach Cottage Over Debt That Wasn't Debt
A buyer near Folly Beach nearly lost her contract over debt that FHA rules say shouldn't count. Learn what obligations are excluded from your DTI.
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1 Percent: The Rule That Almost Cost Rachel Her Loan Approval
1 percent is the number that can quietly kill your loan approval with deferred student loans. Learn the conventional rule and what to ask your lender.
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Why an IRRRL Payment Promise Before Your Numbers Is a Red Flag
Why a lender promising a lower IRRRL payment before seeing your numbers is a red flag, and what an honest quote actually requires.
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If You're in Credit Counseling and Think That Means No FHA Loan, Here's Why That's Not True
If you're in credit counseling and think that blocks an FHA loan, here's the exact HUD rule that says otherwise, plus what to say to your lender.