05/20/2019 Update We are updating our post on how to use the Form 91 from FHLMC.  To confirm you are using the correct Form 91

The MBA projects that mortgage volume will be about 1.8 Trillion for 2019, which is stable compared to 2018 but down compared to 2017.  The

On Freddie Mac’s home page, you will see the tag line “We Make Home Possible”, when I see changes in the guidelines as outlined on

Ever wonder why the IRS tax code is currently at 74,608 pages of information? (and yes, this is a rhetorical question).  I am convinced it

We have been producing blogs since 2013.  Over the years we have gained followers that are originators, processors, underwriters, and operations managers.  So when I

If you have ever worked with a borrower who is an excellent saver but is coming up short on DTI ratio you might be able

I would bet at one time or another you have Googled Freddie Mac Form 91 and gave it a try.  The purpose of this form

I have often said that growing a business has many similarities as raising kids.  Every business owner knows that you must spend countless hours helping

When I worked as a mortgage recourse auditor, I had to play a game daily called “where’s waldo”.  I am sure you have heard of

I had an interesting question come in a few weeks back.  At first it seemed like a “1 in a 1000 issue” but a few

Over the last twelve months I have been confronted with quickly learning the in’s and outs of Fannie Mae Day 1 Certainty program, this blog

Training, and especially ongoing training, is a key area for debate in many mortgage companies big and small. However, there are several reasons to suggest that regular

Over the last few months, my traveling schedule has been getting busier with more opportunities.  Personally, I love to get out of my normal environment

Last week’s blog we went over the differences for self-employed borrower’s income calculations between FHA and the conventional loan programs from Fannie & Freddie Mac. 

One of the more challenging areas in building UberWriter is getting agreement from FHA DE’s on the details of determining self-employed income. I spent my