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Conventional questions by topic:
Conventional questions by topic:
Assets/Cash to Close
AUS Errors
Construction
Credit
Income
- Residual Income Calculator
- Union Borrowers
- Child Support Income
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- Self Employment Income
- Grossing Up Tax Exempt Income
Manufactured Homes
Mortgage Insurance
Overlays
Property
Ratios
Refinance
FHA questions by topic:
FHA questions by topic:
Assets/Cash to Close
Construction
Credit
- Authorized User
- Bankruptcy
- Charge Off & BK Dismissal
- Charge Off Accounts
- Collection Accounts
- Credit Counseling
- Credit Inquiry Letter Guidance
- Credit Report
- Delinquent Federal Non-tax Debt
- Derogatory Accounts
- Excluding Contingent Liabilities
- Forbearance Guidelines
- Foreclosure
- Frozen Credit
- Housing History
- Judgment Matrix
- Letters of Explanation Guidance
- Medical Collection Guidelines
- Minimum Credit Score
- Short Sale
- Soft Pulls
- Student Loans
- Tax Liens
- Wait Periods
Income
- Alimony, Child Support & Maintenance
- Bonus Income
- Capital Gains & Losses
- Child Support
- Commission Income
- Cryptocurrency & Bitcoin Income
- Disability Benefits
- Expected Income
- Frequent Job Changes
- Gaps in Employment
- Hourly Earnings Calculation
- Marijuana-Derived Income
- Military Income
- Non-Taxable Income (GROSSING UP)
- Overtime Income
- Part-Time Income
- Private Disability
- Rental Income
- Residual Income Calculator
- Retirement Income
- Self-Employed Income
- Social Security Disability
- Temporary Income Reduction
- Union Borrowers
- VA Disability
Manufactured Homes
- Appraisal Requirements
- Foundation Inspection
- HUD Cert Label & Data Plate
- LTV
- Manufactured Home Cheat Sheet
- Refinances
- Site Requirements
- Title Requirements
Mortgage Insurance
VA questions by topic:
VA questions by topic:
Assets/Cash to Close
- Bank Statements
- Cash to Close
- Down Payment Assistance
- Earnest Money
- Gifts
- Joint Funds
- Large Deposits
- Non-liquid Accounts
- Proceeds from Sale of Home
- Retirement Accounts
AUS Errors
Construction
Credit
- Credit Report
- Bankruptcy
- Credit Inquiry Letter Guidance
- Debts & Liabilities
- Derogatory Accounts
- Forbearance Guidelines
- Foreclosure
- Frozen Credit
- Housing History
- Judgment Matrix
- Judgments
- Letters of Explanation Guidance
- Manual UW Guidelines
- Minimum Credit Score
- Short Sale
- Soft Pulls
- Student Loans
- Tax Liens
Manufactured Homes
- Age of Man Home
- DTI
- Eligible Property
- Eligible Transactions
- Foundation Inspection
- Ineligible Property
- Ineligible Transactions
- Manual Underwriting
- Manufactured Home Cheat Sheet
- Minimum Score
- Property Requirements
- Required Repairs
Miscellaneous
Overlays
Property
- Appraisal Guidelines
- Condo Approval Process
- Condo-Necessary documentation
- Escrow Repair Guidelines
- Property Types
- Taxes, HOI & Flood
- Termite-Pest Inspection in Iowa
- Title Requirements
Ratios
- 30 Day Accounts
- Authorized User
- Business Debts
- Co-Signed Installment Loans
- Debts in Divorce
- Delinquent Federal Tax Debt
- HELOC
- Liabilities
- Maximum DTI on manual UW
- Qualifying Ratios
- Tax Liens
Refinance
USDA questions by topic:
USDA questions by topic:
Assets/Cash to Close
AUS Errors
Construction
Credit
- Age of Credit Report
- Authorized User Accounts
- Borrower with back child support owed
- CAIVRS
- Collections
- Consumer Credit Counseling
- Credit Score
- Credit Score & Validation
- Derogatory Accounts
- Disputed Accounts
- Excluding installment accounts
- Forbearance Guidelines
- Frozen Credit Data
- Housing History
- Judgments
- Judgment matrix
- Letters of Explanation
- Previous USDA Loss
- Minimum Credit Guidelines
- Non-Traditional Credit
- Recent Debts
- Recent Inquiries
- Student Loans
- Unacceptable Credit
- Undisclosed Debt
- Validate Credit Score Requirements
Income
- 4506T Form
- Annual Income
- Bonus Income
- Commission Income
- Child Support
- Employment Gaps
- Fixed Income
- Ineligible Income Sources
- Minimum Required Wage Earner Employment History
- Overtime Income
- Qualifying Income
- Rental Income
- Required Documentation
- Residual Income Calculator
Manufactured Homes
- Age of Manufactured Home
- Appraisal Requirements
- DTI
- Eligible Property
- Eligible Transactions
- Foundation Inspection
- Ineligible Property
- Ineligible Transactions
- Manual Underwriting
- Minimum Credit Score
- Manufactured Home Cheat Sheet
- Pilot Program
- Property Requirements
- Required Repairs
- Title Requirements
Overlays
THERE ARE NO USDA OVERLAYS AT THIS TIME
Property
- Age of Property
- Appraisal Guidelines
- Eligible Condos
- Eligible Properties
- Escrow Repair Guidelines
- HOI & Flood Guidelines
- Income Producing Buildings/Land
- Ineligible Properties
- MFH Guidelines
- Occupancy
- PUDs
- Site Specifics
- Utilities
Ratios
Mortgagebot:
Mortgagebot:
Miscellaneous:
Miscellaneous:
Checklist for Newly Constructed Homes
Closing with a Construction Address
Divorce, Separation & Mortgages
Escrow Repair Guide-Borrower Funded
Escrow Repair Guide-Seller Funded
FHA Private Flood Insurance Announcement
FHLB Grant-More Than One Active Grant
HOI Worksheet UPDATED 01/21/2025
How soon can I close a mortgage?
Is My Loan a Joint Application, or a "2 Borrower" Loan?
Manual Guideline Training (All programs)
All Program Manufactured Home Cheat Sheet