On September 17th, 2025, the Federal Reserve cut interest rates—a move that had many people instantly thinking mortgage rates would drop too. But if you’ve been watching this closely, you know it doesn’t work that way. In fact, this exact scenario played out before. Back in June and again in September of 2024, everyone expected…
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If you’ve ever applied for a mortgage, you’ve probably wondered why lenders sometimes ask for the same documents more than once—or even request new paperwork late in the process. While it can feel frustrating, there are good reasons these document requests pop up at different stages of a loan file. Why Duplicate Requests Happen A…
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When it comes to financing a manufactured or mobile home, not all properties are treated equally. One of the first questions any lender is going to ask—whether it’s for FHA, VA, or conventional financing—is this: When was the home built? This single detail can dramatically shape your loan options, eligibility, and overall path forward. If…
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For years, one of the most frustrating limitations in FHA lending was the inability to use boarder income—that is, rent paid by someone living in your home—to help qualify for a mortgage. Fortunately, that has now changed. With the release of HUD Mortgagee Letter 2025-04, FHA has introduced updates that allow for the use of…
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Buying a home can feel like navigating a maze of guidelines, paperwork, and what-ifs. One question that comes up often for families is: can I use child support income to qualify for a mortgage? The short answer is yes, but there are important rules to understand so you don’t run into problems along the way.…
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Can You Use a Cash-Out Refinance to Pay Off Delinquent Property Taxes? If you’re behind on property taxes and looking for a way to catch up, you might be wondering: can you use a cash-out refinance to pay off those delinquent taxes? The short answer is yes—but only if you meet the specific requirements of…
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If you’re a homebuyer using a VA loan to finance your property, there’s a unique requirement that can easily trip up your transaction: the VA loan clear pest report. Unlike conventional loans or even FHA loans in some cases, VA loans have strict pest inspection guidelines—and not understanding them can delay or even jeopardize your…
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Can You Get a Mortgage Without a Job in Retirement? If you’re retired or nearing retirement, you might be wondering: Can I get a mortgage without a job? The answer is yes—you can. In fact, both FHA and conventional loans allow you to qualify using retirement income, including distributions from 401(k), IRA, pensions, or annuities.…
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