Yes, that would be greatly appreciated.

You can request a letter from the Chapter 13 Trustee or their staff, who usually provide it upon request. Underwriters will review how the Trustee handled the May 1 payment. HUD Handbook 4000.1 for Chapter 13 requires payments to be made on time and as agreed. The latest version of this Handbook was released on August 12, 2026.

When you ask…

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I am an NMLS-licensed MLO and branch manager and am licensed in multiple states. The state of Kentucky has a distance requirement for remote mortgage loan originators and branch managers from their residence to a brick-and-mortar location. In order for the Kentucky Department of Financial Institutions to grant me a home branch office…

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The most recent FHA rules specify that any payment made even a few days late is not considered on time during an active Chapter 13 plan.

FHA standards raise the bar, requiring more than the typical 30-day late-payment rule most mortgages follow.

HUD Handbook 4000.1 states that a borrower in an active Chapter 13 bankruptcy may qualify after making…

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Trying to get approved for VA LOAN. Need all help, assistance and solutions I can find. I have 30 days left on my 60 days to buy or vacate the home I am renting. My middle my mortgage middle score is 566 and is affected by multiple history of late payments in the past year due to financial hardship and military assignment away from home. I…

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What is considered a late payment on a Chapter 13 bankruptcy repayment plan to the bankruptcy trustee. Here is a case scenario. Petitioner has been in an active Chapter 13 repayment and has been making 15 payments. However, payment to trustee is due on the 8th of the month. However, petitioner had family health and death in the month of April…

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My name is Manual, and I am reaching out to see if you can help me with a time-sensitive situation.

Recently, my previous mortgage broker sabotaged my refinance by failing to provide my lender with a required term sheet, which resulted in foreclosure proceedings on my properties. One property went into foreclosure in July 2026 and is…

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One thing that can catch VA buyers off guard is the appraisal.

A VA appraisal isn’t just about determining the property’s value. The appraiser can also flag certain property-condition issues that may need to be addressed before the loan can move forward.

That doesn’t automatically mean the deal is dead, though.

This video breaks down what a…

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A 60-point credit score difference might not sound huge, but over the life of a mortgage it can potentially add up to tens of thousands of dollars.

This example compares a 680 credit score with a 740 and shows how the difference in mortgage pricing can translate to roughly $165 more per month and nearly $60,000 over 30 years.

It also covers some…

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A lot of buyers seem to be waiting for mortgage rates to fall before they make a move, but the market rate isn’t necessarily the only option.

There are a few ways buyers can potentially get a lower effective rate even while prevailing rates remain much higher:

• Taking over an existing assumable VA or FHA mortgage
• Using a seller-paid 2-1…

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Team,

​I am a retired Army veteran seeking a zero-overlay VA manual underwrite for an active purchase contract. We are requesting a 21-day extension for a late-October closing.

​My previous lender denied my file due to internal overlays on post-bankruptcy lates. I have a backup lender, but they are offering a very high interest rate of 7.125%. I…

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I’m reaching out to see what financing options may be available to me while I am currently in an active, confirmed Chapter 13 bankruptcy in Georgia.

I currently own my home in Augusta, Georgia. My existing mortgage is an FHA 30-year loan with:

Current balance: approximately $220,695
Interest rate: 3.75%
Monthly payment: approximately $1,757
Estimated…

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GCA MORTGAGE FORUMS DAILY NEWS | Friday, September 18, 2026

On September 18, 2026, mortgage rates are close to 7%, oil prices have climbed above $100, and attention is focused on inflation, stocks, housing, jobs, gold, property taxes, and consumer finances.

GCA Mortgage Forums Daily News for September 18, 2026-Mortgage Rates Near 7%, Oil Over… Read more

Yes, if you have an FHA loan, the underwriter might consider your April payment late, even if it was just a few days after the trustee’s deadline.

A late payment is not the same as a 30-day delinquency on your credit report. These are two different things.

FHA rules for active Chapter 13 cases are strict. HUD says lenders must check that all…

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I have a case scenario. What is considered a late payment on a monthly payment to a bankruptcy trustee on an active Chapter 13 Bankruptcy? Timely payments for 12 months. However, in April, it was due on April 8, 2026, but the petitioner paid on May 1, 2026. The mortgage underwriter is considering that late. However, all creditors that I know…

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The combination of higher mortgage rates and increased housing inventory is interesting because it gives buyers more room to negotiate, even though financing remains expensive. Homeowners also need to consider costs beyond the mortgage payment, including insurance, property taxes, maintenance, and unexpected repairs.

For buyers considering an…

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GCA Mortgage Forums Daily News: Fed Hikes Rates as Mortgage Costs Jump, Housing Slows, and Wall Street Slides

Special Combined Edition for Wednesday, September 16, 2026

GCA Mortgage Forums Daily News covers the Fed rate hike, 7% mortgage rates, the housing slowdown, inflation, oil, gold, stocks, and the U.S. economy.

GCA MORTGAGE FORUMS… Read more

Wow. Thank you. Appreciate your guidance and help. Will ask the account execute to escalate file to underwriting department.

A conventional loan can still be possible with an “as-is” property, but the condition of the deck could become an issue if the appraiser considers it a safety or structural concern. The lender and underwriter will generally look at the appraisal and any required repairs or conditions before approving the loan.

I’d ask the lender to review the…

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