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Tips, News and More to Help You Navigate the Mortgage Business

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What Does Clear to Close Mean?

Clear to close means your underwriter has signed off on every condition attached to your loan file and approved it...

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How Different Types of Debt Affect Your Mortgage Approval

July 24, 2026

Different types of debt affect your mortgage approval in different ways because underwriters count each debt by a...

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What Is a Temporary Buydown? How It Works in 2026

A temporary buydown is a mortgage financing tool that lowers your monthly payment for the first one to three years...

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How a Mortgage Credit Check Affects Your Credit Score

A mortgage credit check affects your credit score only when the lender runs a hard inquiry, and even then, the...

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How Far Back Do Mortgage Lenders Look at Bank Statements?

Mortgage lenders typically look at the most recent 60 days of bank statements for conventional, FHA, VA, and USDA...

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Home Inspection Checklist for Buyers: FHA and VA Loan Guidelines

A home inspection checklist for buyers is a structured walkthrough document used to evaluate a property's...

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One Extra Mortgage Payment a Year: How Much You Actually Save

Making one extra mortgage payment per year can shave 4 to 6 years off a 30-year loan and save tens of thousands of...

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What Is Mortgage Recasting and When Does It Make Sense?

What Is Mortgage Recasting? A mortgage recast, sometimes called a re-amortization, is when a homeowner makes a...

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Is a 2-1 Buydown Worth It?

A 2-1 buydown is a mortgage financing arrangement that temporarily reduces your interest rate by 2% in the first...

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