Mortgage and Portfolio Loan Guide

Credit

Buying a House After Bankruptcy

When buying a house after bankruptcy, there are several mortgage options including portfolio loans, conventional, FHA, and VA loans. They key is to know which mortgage option would apply to you best. In today’s blog post I will cover everything you need to know about buying a house after bankruptcy including time frame you’ll need

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Jumbo Loans for Bad Credit

When seeking home financing with bad credit, your options may be limited. When seeking Jumbo Loans for bad credit, your options might even be more limited, but options are available. Whether the low credit is due to recent foreclosure/bankruptcy/short sale or just recent collections, this post will tell you everything you need to know about

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What is Manual Underwriting Mortgage?

If you have been told you do not qualify for an FHA or VA loan, but were not given a reason, a manual underwriting mortgage may be your ticket to getting approved. What is a manual underwriting mortgage? Traditional mortgage loans have two ways of getting approved: automated underwriting and manual underwriting. When the loan

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Cash Out Refinance with Bad Credit

Tapping into your home’s equity to do a cash out refinance with bad credit may be a great option if you’re looking to consolidate high interest debt or make improvements to your home. Here you’ll find everything you need to know about how to get approved for such a loan and what to expect when

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Do I qualify for a home loan?

Here are all the answers to the question “Do I qualify for a home loan?” The answer to that question is really a four part question regarding you income, credit, assets, and property. The real questions to be asking are: Does my income qualify me for a mortgage? Does my credit meet mortgage requirements? Are my

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How to Buy a House Without Lying to Your Mortgage Lender

How do you actually close on a house without trying to sneak something by the big bad lender? For some reason there’s this skeleton in everybody’s closet that they don’t want the lender to find out about. They think that if the lender finds out everything is going to fall apart, and they’re right. But,

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5 Odd Things Your Credit Report Doesn’t Show

Good or bad, there are some misconceptions about what information is shown on the credit report. Before diving into what doesn’t show, let’s take a look at the things that are reported. When you are looking to buy or refinance a home, your lender will want to take a look at your credit report. Your

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What questions do you have?