So, you’re interested in getting a mortgage, but you know for a fact that you’re anything but an ideal candidate. You’ve resigned yourself to a life of renting and living under other people’s rules, because there’s no way you’re going to get your debt-to-income ratio into an ideal place and there’s not a house to… Continue Reading
Last time we had a long talk about the public record and how you can deal with public record items on your credit report. You’re armed to handle things like bankruptcies and judgments, but not everyone actually has to deal with those. These are extreme results of issues in the other main part of your… Continue Reading
It’s a story I’ve heard a thousand times, “I want to get a mortgage, but….” and then the person tells me a tragic story of a credit problem they believe to be insurmountable. Even though I’m not a Realtor anymore, I still hear it from friends and family members who know I write this blog.… Continue Reading
When you think of the word “conventional,” I know it brings to mind images of things that are considered “normal” or “standard” in our culture. That kind of thinking has caused a great deal of confusion among mortgage-seekers for a very long time because a Conventional mortgage isn’t the default choice for many buyers. For… Continue Reading
Before we start talking about loan applications, I have a confession to make: I took a lot of shortcuts in getting our mortgage loan. See, when I was a Realtor, I made a lot of connections — a lot of them — and even though it has now been a few years since I surrendered… Continue Reading