GuideMortgage & FinanceOct 12, 20264 min read
HomeReady Boarder Income: What Counts
HomeReady boarder income requires proof of shared residence and rent received. See how payment history, twelve-month averaging and the 30% cap work.
Loan Programs
Mortgage products, eligibility, underwriting, and financing options.
Latest coverage
AnalysisMortgage & FinanceOct 8, 20264 min read
UWM Credit Score Overlay Removal: The Limits
UWM credit score overlay removal covers specified agency loans. Agency rules and loan conditions still apply, while scores remain relevant to pricing.
Deep GuideMortgage & FinanceOct 4, 20264 min read
FHA Non-Occupying Co-Borrower Rules
FHA non-occupying co-borrower rules can limit financing to 75%. Learn when family members qualify for more and how property units affect the limit.
Deep GuideMortgage & FinanceSep 27, 20265 min read
VA Residual Income Family Size: Who Counts?
VA residual income family size includes more than borrowers. Learn when a spouse or dependent may be omitted and which documents support the count.
Calculated ExplainerMortgage & FinanceSep 13, 20265 min read
USDA Household vs. Repayment Income
USDA household income can count toward eligibility without supporting repayment. Compare Guaranteed Loan calculations, documents and deductions.
AnalysisMortgage & FinanceSep 11, 20264 min read
VantageScore Rules for Joint Borrowers: One Model per Loan
VantageScore model rules require joint borrowers to use one model per loan. See the September 9 changes and limits as of September 11, 2026.
Calculated ExplainerMortgage & FinanceSep 6, 20265 min read
FHA Three- and Four-Unit Self-Sufficiency Test
FHA three- and four-unit self-sufficiency rules: count the owner's unit, apply the right rent deduction and separate loan approval from rental cash flow.
GuideMortgage & FinanceAug 30, 20265 min read
VA Funding Fee Refund: Which Effective Date Matters?
Check which effective date supports a VA funding fee refund, what documents to gather, and where the money goes when you financed the fee.
ComparisonMortgage & FinanceAug 16, 20264 min read
Zero Student Loan Payment: Mortgage Rules Compared
A zero student loan payment can affect mortgage qualification differently under Fannie Mae and FHA. Compare the calculations and documents lenders need.
Deep GuideMortgage & FinanceAug 9, 20265 min read
Second VA Loan: Calculate Remaining Entitlement
For a second VA loan, calculate remaining entitlement, check any down payment, and see how keeping your first home affects approval and occupancy.
GuideMortgage & FinanceAug 2, 20265 min read
FHA Gift Funds Documentation: Donor to Closing
Prepare FHA gift funds documentation that connects the donor, source and transfer, and check when unused gifts may count toward reserves.