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• Forum: Residential Mortgage Loans
   Marcos

  GROSSING UP SOCIAL SECURITY INCOME

  Marcos Posted on August 17, 2024 at 6:40 pm   |  State: California  | Total Activities:  8

  CAN SOCIAL SECURITY INCOME BE GROSSED UP? HOW MUCH CAN SOCIAL SECURITY INCOME BE GROSSED UP ON FHA LOANS? HOW MUCH CAN SOCIAL SECURITY INCOME BE GROSSED UP ON VA LOANS? HOW MUCH CAN SOCIAL SECURITY INCOME BE GROSSED UP ON USDA LOANS? HOW MUCH CAN SOCIAL SECURITY INCOME BE GROSSED UP ON CONVENTIONAL LOANS? HOW MUCH CAN SOCIAL SECURITY INCOME BE GROSSED UP ON JUMBO LOANS? HOW MUCH CAN SOCIAL SECURITY INCOME BE GROSSED UP ON NON-QM LOANS?

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: FHA Loans
   Cameron

  Can You Close Into a Trust For FHA purchase loans

  Cameron Posted on August 17, 2024 at 7:25 pm  | Total Activities:  10

  Can You Close Into a Trust For FHA purchase loans?

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: VA Loans
   Marcos

  VA LOAN WITH LOW CREDIT SCORES

  Marcos Posted on August 17, 2024 at 6:36 pm   |  State: California  | Total Activities:  8

  Can I Qualify For VA Loan With 589 Credit Score?

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: HUD Two-to-Four Unit Multi-Family Guidelines
   Ollie

  Can I Purchase 2 To 4 Unit Property With FHA LOANS

  Ollie Posted on August 17, 2024 at 8:15 pm   |  State: Illinois  | Total Activities:  10

  Can I Purchase 2 To 4 Unit Property With an FHA LOAN with 3.5% down payment, live in one unit and rent out the other unit for rental income? What are the HUD GUIDELINES on buying a two-to-four unit multi-family home with an FHA loan?

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Appraisal
   Chase

  HUD FORCED HOME VALUES

  Chase Posted on August 18, 2024 at 7:55 pm   |  State: Wisconsin  | Total Activities:  20

  Attached is a shocking video about HUD FORCED VALUES. THE SYSTEM IS FORCING APPRAISERS TO OVER VALUE PROPERTIES. Home appraisers are getting intimidated by HUD Guidelines on frowning appraisers coming in low in minority areas.

  https://youtu.be/8vyXWW9I12s?si=teTxKDw9fKzKl0-1

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Dually Licensed Realtor-MLO Career Opportunities
   Cameron

  Can a real estate broker own a mortgage company

  Cameron Posted on August 17, 2024 at 7:27 pm  | Total Activities:  10

  Can a real estate broker own a mortgage company?

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Residential Mortgage Loans
   Marcos

  CLEAR-TO-CLOSE

  Marcos Posted on August 17, 2024 at 6:34 pm   |  State: California  | Total Activities:  8

  Can I Get A Clear To Close In 2 Weeks Or Less?

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: News
   Danny Vesokie | Affiliated Financial Partners

  50 Creepiest Things Caught on Live TV

  Danny Vesokie | Affiliated Financial Partners Posted on August 18, 2024 at 1:23 am   |  State: California  | Total Activities:  49

  Here’s a video about the 50 Creepiest Things Caught on Live Television.

  https://youtu.be/dOMt-AtdAKM?si=8_iakmOSUwVYSelE

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Non-QM Loans
   Bruno

  Mortgage Rates on Non-QM Loans

  Bruno Posted on August 17, 2024 at 4:31 pm   |  State: Illinois  | Total Activities:  11

  What rates should I expect and how long will it take to close and what do I need to show for getting approved for Non-QM loan for a house (Sale Price $680 K)

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Conventional Loans
   Connie

  Front-End and Back-End DTI on Conventional Loans

  Connie Posted on August 17, 2024 at 12:48 am   |  State: WI  | Total Activities:  13

  What is the maximum front-end and back end debt-to-income ratios on conventional loans?

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Case Scenarios
   Connie

  CREDIT SCORE CHANGES DURING MORTGAGE PROCESS

  Connie Posted on August 17, 2024 at 12:45 am   |  State: WI  | Total Activities:  13

  WHAT IF YOUR CREDIT REPORT CHANGES DURING THE MORTGAGE APPROVAL PROCESS? WHAT HAPPENS IF YOUR CREDIT SCORES GOES DOWN OR UP DURING THE MORTGAGE PROCESS? AM I STILL QUALIFIED FOR A MORTGAGE IF MY CREDIT GOES DOWN DURING THE MORTGAGE PROCESS?

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: FHA Loans
   Randy

  HOW DOES A HOUSE QUALIFY FOR AN FHA

  Randy Posted on August 16, 2024 at 2:02 pm   |  State: Indiana  | Total Activities:  11

  what are the qualifications for a house to be approve for a FHA loan?

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Employment
   Randy

  Cannot Afford To Pay Mortgage Due to Job Loss

  Randy Posted on August 16, 2024 at 1:59 pm   |  State: Indiana  | Total Activities:  11

  What if I just lost my job and cannot afford my mortgage payments?

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Law, Litigation, Legal Matters
   Randy

  STATUTE LIMITATIONS ON DEBT IN CALIFORNIA

  Randy Posted on August 15, 2024 at 9:51 pm   |  State: Indiana  | Total Activities:  11

  What is the statute of limitations on debt in California? What is the statute of limitations on credit card debt in California?

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  View Last Reply: Rugger replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Residential Mortgage Loans
   Bailey

  Quality Control Review in the Mortgage Process

  Bailey Posted on August 16, 2024 at 2:57 pm   |  State: Illinois  | Total Activities:  14

  WHAT IS QC AND WHY IS QC MORTGAGE UNDERWRITING AFTER A CLEAR TO CLOSE?

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  View Last Reply: Gunner replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Refinance
   Connie

  FACTORS DETERMINING REFINANCE MORTGAGE RATES

  Connie Posted on August 17, 2024 at 12:25 am   |  State: WI  | Total Activities:  13

  What factors determine a REFINANCE mortgage rate other than an individual’s credit score?

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  View Last Reply: Gunner replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: HUD Manual Underwriting Guidelines
   Connie

  WHAT ARE COMPENSATING FACTORS IN MORTGAGES

  Connie Posted on August 17, 2024 at 12:27 am   |  State: WI  | Total Activities:  13

  What are compensating factors and the importance of compensating factors in mortage lending?

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  View Last Reply: Bruce replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Residential Mortgage Loans
   Connie

  Debt-To-Income Ratio Guidelines on FHA and Conventional Loans

  Connie Posted on August 17, 2024 at 12:35 am   |  State: WI  | Total Activities:  13

  What is the debt income ratio requirement for FHA loan and conventional loan?

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  View Last Reply: Bruce replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Residential Mortgage Loans
   Connie

  WHAT DEFINES A MORTGAGE LOAN APPLICATION

  Connie Posted on August 17, 2024 at 12:30 am   |  State: WI  | Total Activities:  13

  What constitutes a mortgage loan application? How does the mortgage loan application work? What is an “application” that triggers an obligation to provide a Loan Estimate? What is the loan estimate? What are the rules and regulations on the loan estimate and how does the process work?

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  View Last Reply: Bruce replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Non-QM Loans
   Randy

  ALTERNATIVE FINANCING

  Randy Posted on August 15, 2024 at 9:48 pm   |  State: Indiana  | Total Activities:  11

  Where/who can I turn to for flexible/lenient mortgage financing?

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  View Last Reply: George replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Refinance
   Connie

  Refinancing Out of a Land Contract

  Connie Posted on August 17, 2024 at 12:37 am   |  State: WI  | Total Activities:  13

  What do we need when refinancing our home that is currently on a land contract?

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  View Last Reply: George replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: HUD Manual Underwriting Guidelines
   Connie

  Trustee Approval During Chapter 13 Bankruptcy

  Connie Posted on August 17, 2024 at 12:40 am   |  State: WI  | Total Activities:  13

  How do you get a bankruptcy trustee approval to get approved for a mortgage during the Chapter 13 Bankruptcy. What is involved in getting a court trustee’s written approval letter for Chapter 13?

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  View Last Reply: George replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Credit Forum
   Connie

  Credit Supplement

  Connie Posted on August 17, 2024 at 12:42 am   |  State: WI  | Total Activities:  13

  What is credit supplement for? When does a mortgage client need to do a credit supplement during the mortgage loan process?

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  View Last Reply: George replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Appraisal
   Tina

  Height of Outside Railing From Deck

  Tina Posted on August 15, 2024 at 9:13 pm   |  State: Connecticut  | Total Activities:  9

  What is height at which a outside deck needs a railing?

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  View Last Reply: George replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: FHA Loans
   Randy

  HUD Minimum Credit Score Guidelines

  Randy Posted on August 15, 2024 at 9:45 pm   |  State: Indiana  | Total Activities:  11

  What Are The Minimum Credit Scores To Qualify For A FHA Loan?

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  View Last Reply: George replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Employment
   Tina

  JOB LOSS AFTER HOME CLOSING

  Tina Posted on August 15, 2024 at 9:20 pm   |  State: Connecticut  | Total Activities:  9

  WHAT IF I LOST MY JOB AFTER I JUST BOUGHT A HOME?

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  View Last Reply: George replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Residential Mortgage Loans
   Tina

  Mortgage Application To Clear To Close Timeline

  Tina Posted on August 15, 2024 at 9:17 pm   |  State: Connecticut  | Total Activities:  9

  What is the timeline from pre-approval to clear to close?

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  View Last Reply: George replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Conventional Loans
   Tina

  Conventional loan Credit Score Guidelines

  Tina Posted on August 15, 2024 at 9:22 pm   |  State: Connecticut  | Total Activities:  9

  What is the credit score that I need for Conventional loan?

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  View Last Reply: George replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Non-QM Loans
   Tina

  Minimum Loan Amount For NON-QM Loans

  Tina Posted on August 15, 2024 at 9:24 pm   |  State: Connecticut  | Total Activities:  9

  What Is Minimum Mortgage Loan Size For NON-QM Loans?

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  View Last Reply: George replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Bankers, Lenders and Mortgage Brokers
   Bailey

  APPROVE ELIGIBLE PER DU FINDINGS

  Bailey Posted on August 15, 2024 at 9:31 pm   |  State: Illinois  | Total Activities:  14

  WHAT DOES APPROVE ELIGIBLE PER DU FINDINGS MEANS?

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  View Last Reply: George replied 1 year, 8 months ago  |  Participants:   2 Members |   1 Reply