General underwriting topics, guideline changes, and industry trends.
Nothing about the rules has changed. The math still works the same. The guidelines are still the guidelines. Yet January continues to be the month where income calculations create unnecessary
When applying for a mortgage, few types of pay are as confusing or as valuable as RSU income. For many borrowers, restricted stock units make up a large part of
A small mistake can stop a mortgage loan from moving forward. Underwriting issues are quiet problems that slow down the process, confuse borrowers, and create extra work for lenders. These
Not everyone earns the same amount of money each month. Many borrowers have income that goes up and down, which makes it harder for lenders to understand what they can
Qualifying self-employed borrowers can be one of the hardest parts of mortgage lending. If income is calculated incorrectly, it can lead to delays, loan defects, and unhappy borrowers. Fannie Mae’s
As a lender, the mortgage underwriting process is one of the key components of your lending operations. If you’re making loans for home purchases, refinancing existing mortgages, or issuing home
