Clergy Housing Allowance and Your Mortgage: How a Parsonage Allowance Is Counted
Does a clergy housing or parsonage allowance count as mortgage income? The 12-month history rule, cash vs. in-kind housing, and what to gather first.
Relocating for Work: How a Relocation Package, Buyout or Trailing-Spouse Income Fits Your Mortgage
How a relocation package fits your mortgage: which pieces count as income, which count as assets, and how trailing-spouse income gets documented.
Remote Work and an Out-of-State Employer: The Questions an Underwriter Will Ask
Remote work with an out-of-state employer? See the questions an underwriter asks about your role, work location, income continuance, and occupancy.
Mortgage on a Work Visa: What Agency Programs Require for Foreign-Paid Income
Fannie Mae permits lawful non-permanent residents; FHA no longer does. What agency rules require for a mortgage on a work visa. General - confirm current.
Dividend, Interest and Capital-Gain Income: How Lenders Count What Your Investments Pay You
Dividends, interest and capital gains can count as mortgage income with a documented two-year history and a remaining asset. How lenders calculate it.
Restricted Stock and RSU Income for a Mortgage: When Vested Shares Count as Income
Restricted stock and RSU income can count toward a mortgage when shares are vested, distributed without restrictions, and documented. The conditions, explained.
Furloughed in the Middle of a Loan: What Happens Next
Furloughed mid-loan? Employment is re-verified before closing, so the file usually pauses. What furlough means for approval, and what to send underwriting.
Temp, Staffing-Agency and Contract-to-Hire Work: What a Lender Can Count
Temp agency income and a mortgage: who verifies your job, what a contract-to-hire conversion changes, and the documents underwriting asks for.
Union and Trade Workers: Qualifying When Every Job Is a Different Employer
Union and trade workers with multiple employers: how underwriting reads hiring hall work, which documents to gather, and how dispatch gaps are handled.
Seasonal Work and a Mortgage: How Lenders Handle the Off-Season
How lenders document and average seasonal income: multi-year earnings history, rehire evidence, and applying during the off-season. General information only.