Bonus, overtime and commission: how lenders average two years of pay
How lenders average bonus, overtime and commission over two years, a worked example of why a raise counts less, and what 1099 earners should compare.
Sophia WarnerSenior Loan Officer
FHA condo approval: what to check before you offer
A three-step FHA condo check (approved list, Single-Unit Approval, offer clause) and how to decide: FHA as usual, FHA with extra time, or another loan or building.
Sophia WarnerSenior Loan Officer
Is a half-point rate drop worth a refinance?
Find your break-even month on a half-point refinance with a worked example, plus the VA and FHA rules and income proof for self-employed owners.
Sophia WarnerSenior Loan Officer
Gift Money for a Down Payment: The Paper Trail Lenders Want
A four-step checklist for using family gift money on a down payment: gift letter rules, matching transfers, a clean deposit trail and the 2026 IRS gift figures.
Sophia WarnerSenior Loan Officer
Bank-statement loans: how self-employed buyers qualify when their tax returns show less than they make
Your tax returns aren't the only way to prove what you earn. Here's how lenders use your deposits instead, what it costs, and what to do before you look at a house.
Sophia WarnerSenior Loan Officer
Seller-paid 2-1 buydown: what it changes and what it doesn't
How a seller-paid 2-1 buydown steps up over three years, what each loan program lets a seller pay, and why it won't help self-employed income qualify.
Sophia WarnerSenior Loan Officer
Removing PMI from a conventional loan: a step checklist
A five-step checklist for dropping PMI on a conventional loan: find your CFPB 80% and 78% marks, ask in writing, weigh an appraisal and confirm it stopped.
Sophia WarnerSenior Loan Officer
Why your lender asks about large deposits
Fannie Mae's 50% large-deposit rule, when a purchase needs a paper trail, what a gift letter must say, and how self-employed buyers can plan ahead.
Sophia WarnerSenior Loan Officer
Condo vs townhome: how HOA dues change what you can borrow
How HOA dues shrink your buying power, a condo vs townhome table, and how self-employed California buyers can compare total payments before making an offer.
Sophia WarnerSenior Loan Officer