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Qualifying
How a lender reads your income, debts and paperwork, so nothing in underwriting catches you off guard.
Student loans in your DTI: each loan type has its own rule
FHA, VA, conventional and USDA loans can count an income-driven student loan payment differently. See what goes into DTI and what to ask each lender.
Sophia WarnerSenior Loan Officer
Tax season mortgage papers: which year the lender reads
A six-step tax-season checklist for self-employed buyers: which year the lender reads, returns or transcripts, Form 4506-C, bank statements and Loan Estimate.
Sophia WarnerSenior Loan OfficerBuying a house after a short sale: a San Diego comeback
How long you wait after a short sale for FHA, VA and Fannie Mae loans, and how one San Diego couple timed their purchase to buy again.
Sophia WarnerSenior Loan Officer