You Are Inside a Probationary Period. Does That Stop a Mortgage?
Inside a probationary period at a new job? Probation is an employer label, not an underwriting rule. What lenders actually test, and how to document it.
Buying a House With a Job Offer Letter: What Each Loan Program Allows
Buying a house with a job offer letter: what conventional, FHA, VA and USDA generally allow before your first paycheck, and what your file must carry.
Mortgage While in Chapter 13: The Court Permission Path
Can you get a mortgage while in Chapter 13? FHA's handbook sets an in-plan path: 12 months of on-time plan payments plus written court permission (general).
Part-Time and Second-Job Income: When a Lender Will Count It
Will a lender count your part-time or second job? Often yes with a documented history - the three tests, plus seasonal, PRN and gig rules (general).
Do You Really Need Two Years of Self-Employment? When One Year of Tax Returns Can Be Enough
One year of self-employment tax returns can work when the guideline and the file support it. What Fannie Mae, FHA, VA and USDA actually require - general, confirm current.
Mortgage Gift Letter Requirements: What It Must Say and the Paper Trail Behind It
What a mortgage gift letter must include - donor identity, exact amount, no repayment - plus the donor-to-deposit paper trail underwriters actually verify.
Can You Pay Your Mortgage With a Credit Card? What It Costs – and Why Your Lender Cares
Paying a mortgage with a credit card is rarely possible directly, costs a processor fee, and can move your credit file mid-underwriting. Here is the math.
What Income Counts for a Mortgage: the Sources Lenders Can Use, and the Ones They Cannot
Which income sources lenders can count and which they cannot: the three tests, BAH and BAS gross-up, offer letters, and Colorado Springs military pay.
Hero Home Loan Myths, Debunked
Do heroes get special mortgage rates? We debunk eight hero home loan myths: GNND, DPA, nurse and teacher loans, overtime income, and commission rebates.
Buying a Home as a First Responder in Colorado Springs
First responder home buying in Colorado Springs: shift-friendly timelines, El Paso County neighborhoods, CHFA and GNND reality, and the VA angle.