Mortgage rates are likely to go up in October 2026 as long-term bond yields increase. Rising energy prices and investors seeking higher returns on U.S. debt are fueling inflation worries. As a result, lenders are changing the prices of mortgage-backed securities. While the Federal Reserve affects overall interest rates, it does not…

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Village Capital & Investment, nestled in Henderson, Nevada, opens doors for borrowers with imperfect credit, offering a wide range of flexible home loan solutions.

Their dedicated team carefully considers every application for USDA, FHA, VA, and Conventional loans, welcoming borrowers with unique credit stories. Highlights include:
– FHA loans…

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This file deserves an immediate underwriting review, but the information provided is not enough to predict approval or an October 15 closing. The most important missing detail is whether these were four separate 30-day late payments, a single account progressing to 60 or 90 days late, or late housing payments.

A 605 score does not…

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Introduction and Purpose

The letter should begin with the borrower’s name, loan number if applicable, and the property address. Include a brief opening statement indicating that this letter explains the four late payments that occurred within the past 12 months.

Chronological Explanation of Events

The body of the letter must map each late payment…

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Case Scenario With Active-Duty Veteran Under Home Purchase Contract in Maryland Needing to Close With a VA Loan. Lately, there have been many homebuyers with late payments in the past 12 months.

The borrower called me early this morning. I want to help the borrower and submit it to Toni at Jet Mortgage. She is under contract on a $520,000…

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What Is Causing Mortgage Rates-October 2026

Mortgage rates jumped in September 2026 and are now above 7%. This Daily Edition of GCA Mortgage Forums explains why rates are rising, whether 9% rates could happen, and what homebuyers should pay attention to as 2027 approaches.

Mortgage Rates Surge Above 7%: Could 9% Mortgage Rates Be Coming in… Read more

Ryon, thank you for posting this and for supporting our loan officers with tougher credit and manual underwriting scenarios.

This is exactly the type of lending flexibility our team looks for, especially in today’s higher-rate environment, where we are seeing more borrowers with lower credit scores, prior bankruptcies, and files that may require…

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Here’s what I recommend for your situation:

About Gustan Cho Associates

Gustan Cho Associates seem like a good choice. Their website and reviews say they help people who were rejected by other lenders. More than 80% of their clients couldn’t get approved anywhere else. They are accredited by the BBB and have good reviews on Trustpilot. As a…

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Hi Sung, we are a lender that no overlays on Government loans. If you have a scenario send it to my email and I will get UW to review.

Village Capital & Investment

***Times are rough with high rates. It always brings out some rougher credit situations. Well that’s were we can help you create some loans that are manuals. We do loans USDA,FHA,VA and…

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Hi, send me the loan info and I will price it out for you or you can call me.

Village Capital & Investment

***Times are rough with high rates. It always brings out some rougher credit situations. Well that’s were we can help you create some loans that are manuals. We do loans USDA,FHA,VA and Conventional. Send any and all scenario’s and I will…

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Do you have credentials to our portal?

Send me the loan details and I can price it out for you.

Village Capital & Investment

***Times are rough with high rates. It always brings out some rougher credit situations. Well that’s were we can help you create some loans that are manuals. We do loans USDA,FHA,VA and Conventional. Send any and all…

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Please email me the credit and loan type.

Village Capital & Investment

***Times are rough with high rates. It always brings out some rougher credit situations. Well that’s were we can help you create some loans that are manuals. We do loans USDA,FHA,VA and Conventional. Send any and all scenario’s and I will do my best to assist.

Down to 500…

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Let me see the credit and scenario. I will see if we can assist.

Village Capital & Investment

***Times are rough with high rates. It always brings out some rougher credit situations. Well that’s were we can help you create some loans that are manuals. We do loans USDA,FHA,VA and Conventional. Send any and all scenario’s and I will do my best to…

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Send me the scenario. I might be able to assist since it didn’t go 90 days. Need a detail LOX since it’s recent.

Village Capital & Investment

***Times are rough with high rates. It always brings out some rougher credit situations. Well that’s were we can help you create some loans that are manuals. We do loans USDA,FHA,VA and Conventional. Send…

Read more

Hi,Thank you for reaching out and for providing a good overview of the scenario.
Yes, I believe this is worth reviewing. I would not rule out the transaction simply because your credit score is around 610 or because your wife purchased the dental practice less than 12 months ago. However, at approximately $2.1 million with 20%+ down, we need… Read more

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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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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That’s going to be a health and safety issue. The only ways around that are –

Get a contractor to repair the deck and get paid at closing

Decommission the deck and block off the doorway by boarding it up or even using 2x4s.

I have closed them by using 2 2×4 and negating the access to the door