February 3, 2026 · 2 min read
Self-Employed? How Lenders Read 1099 Income
Two-year history, tax write-offs, bank statement programs, and 1099-only loans — how self-employed borrowers actually get financed.
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January 27, 2026 · 2 min read
The Seven Things a Mortgage Lender Actually Looks At
Income, debt, credit, cash, payment fit, the property itself, and your paperwork — a plain-language tour of the seven pillars behind every mortgage decision.
January 20, 2026 · 2 min read
Buying a Manufactured Home: What Lenders Actually Require
The 1976 HUD code, foundations, land ownership, and single-wides — the four facts that decide whether a manufactured home can be financed.
January 13, 2026 · 2 min read
First-Time Homebuyer Help: The Programs Most People Have Never Heard Of
NACA, Section 184, state HFA down payment assistance, physician loans, and ITIN-friendly programs — what exists and who each one fits.
January 6, 2026 · 2 min read
What Is Debt-to-Income Ratio (and Why It Decides Your Mortgage)
Your DTI is the number lenders care about most after income. Here is how it is calculated, what counts as debt, and how to move it in weeks — not years.
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