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Recent Posts
- Buying a Home Before PCS: Pre-Approval on Orders, BAH, the 12-Month ETS Rule, and Closing Before You Arrive
- The Military Lending Act Explained: What the 36% Cap Covers, What It Doesn’t, and Why Your Mortgage Is Not on the List
- Military Credit Protections: Active Duty Alert vs. Credit Freeze vs. Free Monitoring, and Which to Use Before a Mortgage
- SCRA Mortgage Protections: The 6% Cap, Foreclosure Rules, and What Your VA Loan Does Not Get
- VA Loan Occupancy Rules While Deployed: Who Has to Live in the Home, and When
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VA Cash-Out Refinance: The Rules Most Lenders Get Wrong
VA cash-out refinance explained: 100% loan-to-value, Type I vs Type II, seasoning, funding fee, and the cash rules. Straight from the VA handbook.
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Moved Manufactured Homes Can Now Get Conventional Financing
Freddie Mac now allows a regular home loan on a manufactured home that was moved from another spot. Here are the three rules and the catches.
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Just Bought a Rental? How Fannie Mae Counts Its Income on Your Next Loan
Bought a rental home in the last 45 days and want another loan? Fannie Mae’s new rule says a lease will not work. Here is what the lender uses instead.
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Airbnb Income Now Counts: Fannie Mae’s New Short-Term Rental Rule
Want to buy a home to rent on Airbnb? Fannie Mae now lets that rent help you qualify. Here is how much counts, what you need, and the catches.
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Departing Residence Rental Income: Fannie Mae’s 2026 Rules
Buying a new home and renting out your old one? Fannie Mae’s updated rules say no lease agreements — here’s what counts and how the math works.
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How I Became A VA Mortgage Specialist
A VA mortgage specialist is a loan officer who knows the VA handbook better than the bank’s overlays — and who is willing to fight a file when the easy “no” lives behind an automated denial. Most loan originators never get there. They run the file through automated underwriting, accept whatever the system spits back,…
