Mortgage Qualifying

Bank Statement Loan vs Conventional Mortgage: Every Difference Explained

Income docs, credit floor, down payment, LTV, PMI, and closing time compared side by side — and which one a self-employed borrower actually qualifies for.

6 Ways to Increase your Home Buying Budget on $140K a year

Frustrated with your home affordability? Learn some tips to increase your ability to afford a home in Orange County, CA and other cities.

Economic Concerns Have Made Qualifying for a Mortgage Challenging

Will Lenders Count All Income I Receive?

Borrowers who receive income from different sources may be surprised it can be used to qualify for a mortgage. Learn which types are acceptable.

Is it Good Idea to Use a Co-borrower?

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If I Rent Out My Current Home Can I Get A Mortgage To Buy Another Home?

Homeowners who rent out their current home can obtain a new mortgage, with lenders evaluating how much rental income counts toward qualification.

Getting a Mortgage with Student Loan Debt

Home financing for people with college education debt is still accessible with recent rule changes in how lenders determine your payment.

Easier Qualifying for Borrowers with Student Loan Debt

Fannie Mae recently announced a few new changes that may help as many as 44 million poetntial borrowers who are strapped with student loan debt qualify for mortgage financing.

If I Choose a Realtor, Do I Need to Use Their Lender?

Am I required to use the lender of the realtor who is representing me? This is a common question. See our answers for and against this dilemma.

Still Don't Have Your Pre-Approval Letter?

When you're looking to buy a home in a competitive housing market and you're going to finance the home, a pre-approval letter is extremely important to obtain.

4 Questions You Need to Know Before Buying a Home

Don't forget about these important factors before making a commitment to buy a home. These can play a large role in your personal finances in the future.

Qualify for a Mortgage With a Non-Occupying Co-Borrower

Mortgage qualifying is challenging sometimes for one borrower to qualify based on their income ad debts. When qualifying is a problem, consider a co-borrower to help you qualify.