The Mortgage Files
Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.
New Fannie Mae Departing Residence Rental Income Rules: What Homebuyers Need to Know
Fannie Mae’s 2026 departing-residence update changes how rental income may be documented when you keep your current home as a rental and buy another primary residence.
Read More about New Fannie Mae Departing Residence Rental Income Rules: What Homebuyers Need to KnowBuy a New Home Without Selling First | Avoid Contingent Offers
How to Buy a New Home Without Selling First One of the biggest challenges many homebuyers face today is wanting to buy a new home while still owning their current one. It’s an extremely common situation. You’ve built equity, you’re ready for the next chapter, but you can’t—or don’t want to—sell your current home before…
Read More about Buy a New Home Without Selling First | Avoid Contingent OffersShould You Sell or Rent Out Your Current Home When Buying a New One?
Should You Sell Your Home or Keep It as a Rental? When you’re thinking about buying a new home and you already have a mortgage on your current property, it’s a big financial and emotional decision. Maybe your current home has become too small, there’s a lot of road noise, or your growing family simply…
Read More about Should You Sell or Rent Out Your Current Home When Buying a New One?