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Rate Piggyby Sophia Warner
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A shingled home with a garage and a small detached workshop on a lawn at golden hour.
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Student loans in your DTI: each loan type has its own rule

FHA, VA, conventional and USDA loans can count an income-driven student loan payment differently. See what goes into DTI and what to ask each lender.

Sophia Warner · Jan 27, 2026 · 5 min read
Someone sits on a porch railing with suburban houses in warm evening light.
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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 Warner · Jan 20, 2026 · 5 min read