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The items listed below are standard supporting documents and information commonly needed for loan approval. However, individual circumstances may dictate that additional information is required. ✅A copy of your most recent pay stubs covering a 30-day period ✅A copy of your last two years of W-2s ...
Any loan or mortgage that is not backed or offered by a government entity is considered a conventional loan. Conventional loans are offered by institutions such as banks, mortgage companies, and credit unions. Although conventional loans are not backed by government agencies, there are a couple o...
You Can Usually Qualify for a Non-QM Loan with a Lower Credit ScoreQualified mortgages must meet standards set forth in the Consumer Protection and Dodd-Frank Wall Street Reform Act. Non-qualified mortgages aren’t backed by federal programs, and therefore don’t have to meet those specific guidel...
If you’re considering filing for bankruptcy or have already gone through the process, you’re probably wondering how this affects your ability to get a mortgage, and if you can even qualify for one at all. It can be more difficult to get approved for a mortgage after bankruptcy, and there’s likely...
When you’re getting ready to buy a home, you want to do everything in your power to set yourself up for success and be a strong candidate. That’s why getting pre-qualified is a smart idea. It prepares you with some valuable preliminary information that will help you when looking for a home to buy...
New Year's Eve is when all the fun and festivities are. We reflect on the old year and ring in the new. New Years' Day, on the other hand, is a time to relax and enjoy the start of a bright and promising new year....a new beginning. It is a time to be with family. Happy New Year!!
Whether you’re a first-time buyer or not, it’s good to review the major steps in the home buying journey to ensure you’re prepared for the process and can accurately plan for the move into your new home. Let’s jump into what to expect and how long it will take to buy your next house.Get Pre-Quali...
Christmas has both a strong religious and traditional meaning. It creates within us, a sense of kindness and concern for fellow man. At no other time are we more generous and giving. It creates a sense of family and belonging. Merry Christmas everyone!
While the process of buying a townhouse is not unlike that of a single-family home or condo, there are some differences you’ll need to be aware of. Whether you’re a first-time homebuyer, looking for a second home, or interested in downsizing, below are the pros of buying this type of residence; M...
National Lemon Cupcake Day is always celebrated on December 15. Although not everyone loves the flavor of lemon, it's too tart for some people. Eating anything made with real lemons is healthy for you, as it prevents scurvy.Sharing with you the recipe for Lemon Cupcake.Ingredients3 cups self-risi...