Mortgage Qualifying: Your Income, Job, and Debts Workshop
How lenders determine what you qualify for—and how to prepare
One of the most common questions I hear from home buyers is:
“How do lenders decide how much I qualify for?”
In this workshop replay from my Home Buying Workshop Series, we break down the basics of mortgage qualifying—specifically how lenders review your income, employment, and monthly debts to determine what payment, loan amount, and home price may be realistic for you.
Understanding these basics early can help you avoid surprises, make better decisions, and feel more confident when you’re ready to buy.
Watch the Workshop Replay
This workshop is especially helpful if you: [Read more…]
Fannie Mae (conventional lending) recently changed their underwriting guidelines to no longer factor in credit scores for underwriting approval!
FHA issued an update to their guidelines (ML 2025-09) revising residency requirements for FHA mortgages. The new guidelines only allows U.S. citizens and lawful permanent residents and removes non-permanent residents from being eligible.
If you are looking at adding to your real estate investment portfolio, I may have some good news for you! We have a new program that allows investors to qualify for a mortgage based on the property’s cash flow. 
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