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Recent Posts
- Can You Get A HELOC While Selling Your House? The Listed-Home Rules
- Can You Get A HELOC On A Second Home? The Rules Nobody Explains
- Can You Get A HELOC On A Paid-Off House? Yes — Here Is The Catch
- Mortgage for Newly Self-Employed Borrowers: How the 2-Year Rule Really Works
- HELOC Income Verification: No Document Chase, No Tax Returns
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VA Loan With High Debt-to-Income in Colorado Springs
A high debt-to-income ratio does not have to kill your VA loan in Colorado Springs. The VA sets no hard DTI cap. The 41% number people quote is a guideline, not a wall. When your DTI runs higher, VA leans on residual income, the dollars you have left each month after your bills, plus compensating…
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Self-Employed Mortgage Requirements: The Complete Checklist by Program
Every self-employed loan program asks for different paperwork — and the same borrower can qualify for very different loan amounts depending on which one you pick. Self-employed mortgage requirements vary by program — and that’s the whole point. Conventional mortgages want two years of tax returns. Bank statement loans want 12 or 24 months of…
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Should I Pay Off My Car Before Buying a House?
Most people think a bigger down payment means a better home. That’s not always true. One simple move with your existing savings could qualify you for $100,000 more house — same monthly payment, no raise required. Almost nobody knows this strategy exists. Quick summary: Paying off a car loan before buying a home can increase…
