Manual Underwriting

VA Loans | Chapter 13 Cash-Out Refinance | Manual Underwriting | VA Loans After Chapter 13 Bankruptcy | VA Loans During and After Chapter 13 | VA Loans While In Chapter 13 Bankruptcy

VA Loan After Chapter 7 Versus Chapter 13 Bankruptcy
BySheena Placibe November 12, 2025November 14, 2025

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VA Loans After Bankruptcy: Veterans’ Path to Rebuilding and Requalifying for Homeownership VA Loan After Chapter 7 Versus Chapter 13 is frequently asked by veterans…

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Manual Underwriting

Identity Theft During FHA Loan Process: How It Affects Homebuyers
BySapna Sharma July 7, 2025August 7, 2025

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Buying a home with an FHA loan should be exciting, but identity theft can quickly become a nightmare. If someone steals your personal information during…

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Manual Underwriting | Mortgage Process

Mortgage Loan Application and the Underwriting Approval Process
ByDale Elenteny May 28, 2025February 6, 2026

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Applying for a mortgage can feel overpowering, but understanding the mortgage loan application and the underwriting approval process helps you stay one step ahead. Whether…

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Manual Underwriting

What Happens If Credit Scores Drop During Mortgage Process
ByGustan Cho May 15, 2025February 6, 2026

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Applying for a mortgage can be thrilling and stressful. You might ask: “What happens if my credit scores drop during mortgage process?” Will you lose…

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Manual Underwriting | Videos

FHA Manual Underwriting DTI Guidelines on FHA Loans
ByGustan Cho May 4, 2025January 13, 2026

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In this article, we will cover FHA manual underwriting DTI guidelines on FHA loans. FHA and VA loans are the only two mortgage loan programs…

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Manual Underwriting | Mortgage Process

Why Mortgage Loans Do Not Close On Time
ByGustan Cho April 28, 2025April 29, 2025

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Why mortgage loans do not close on time? When you apply for a mortgage, the goal is simple: get to closing day smoothly and on…

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Mortgage Process | Manual Underwriting | Videos

Things To Avoid During Mortgage Process
BySapna Sharma April 21, 2025April 22, 2025

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Getting a mortgage is a big step toward owning a home, but it requires following some strict guidelines along the way. One wrong move during…

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Manual Underwriting | Videos

Manual Underwriting Guidelines With Late Payments
ByAnngelli Abenes July 28, 2024August 26, 2025

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This Article Is About Manual Underwriting Guidelines With Late Payments: FHA and VA loans are the only two mortgage loan programs that allow for manual…

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Home Mortgage | Credit Scores | Debt-To-Income Ratio | Down Payment and Closing Costs | FHA Loans | Manual Underwriting | Videos

HUD Credit Score Guidelines on FHA Loans
ByGustan Cho July 14, 2024July 14, 2024

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This guide covers HUD credit score guidelines on FHA loans. HUD, the parent of FHA, is the government agency that sets the minimum HUD credit…

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Manual Underwriting | Income and Employment | Mortgage Process

What Can Be Used As Income For a Mortgage Approval
BySapna Sharma June 24, 2024June 25, 2024

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In this blog, we will cover and discuss what can be used as income for a mortgage. Other income such as overtime, part-time, bonus, tip,…

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Manual Underwriting | Home Purchase | Mortgage Process

Upfront Fees During Mortgage Application Process
ByGustan Cho June 11, 2024May 29, 2025

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In this article, we will discuss and cover the upfront fees during mortgage application process. The mortgage application process starts when pre-approved borrowers get a real…

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Home Purchase | Manual Underwriting

Extenuating Circumstances Guidelines On Home Loans
ByMichael Gracz June 11, 2024February 17, 2025

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In this blog, we will cover and discuss extenuating circumstances guidelines on home loans. When you read the agency guidelines, there is a lot of…

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