Buying a house as a couple should be exciting but for so many, it becomes the moment everything falls apart. After 18 years as a top mortgage loan officer, I’ve seen relationships unravel during the home loan process because people didn’t talk about money before applying.
In this video, I’m breaking down the real conversations couples need to have about credit scores, income gaps, hidden de...
If someone is assuming your VA loan, watch this!
Hey Veterans, this ones for you! Whether you're buying or selling a home, this is critical. If your selling a house and allowing someone to assume your VA loan, you MUST notify your lender. Why? Because if we think your current VA loan is still active, we'll calculate your new mortgage using all of your entitlement—and that can blow up your nex...
Understanding debt-to-income ratio (DTI) is one of the most important and overlooked parts of getting ready to buy a home. It plays a huge role in whether a mortgage gets approved and whether the payment will actually feel affordable once it kicks in.
This video breaks down how lenders view DTI, including both front-end (housing-only) and back-end (housing plus all debts) ratios. It also covers...
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