Divorce and separation create real mortgage qualifying challenges — particularly when alimony or child support payments are involved. Understanding how lenders treat these obligations can make a significant difference in how much home you qualify for, and which loan program works best for your situation.
This guide covers how alimony and child support are treated under conventional, FHA, VA, and USDA guidelines — and the strategy that can dramatically improve your qualifying position. [Read more…]
I read an interesting article about planning for retirement. This is a topic that I find very important. I’m not a financial planner, however as a Mortgage Professional I see a financial snapshot of what people have when applying for a mortgage. I concur with 
My how time goes by when you’re having fun!
In light of Equifax’s recent massive credit breach, many people are going through the process of “freezing” their credit with each of the credit bureaus. This prevents someone from obtaining a new credit account in your name (it does not prevent them from using existing credit). I actually decided to freeze my credit a while back when it appeared that someone was trying to commit fraud with our address. It’s not that difficult to do and it’s pretty easy to forget about…until you decide to apply for new credit, such as 
