Mortgage Help
Expert guidance for your toughest mortgage questions
I Can't Get Approved For A Mortgage
Being told no is exhausting, especially when homeownership feels like it should be within reach. The truth is that most denials come down to fixable i
Denied For A Mortgage Everywhere I Apply
When every door seems to close, it is natural to feel like the system is stacked against you. But here is what most people do not realize: traditional
I Have No Money For A Down Payment
The belief that you need 20 percent down to buy a home is one of the most persistent myths in real estate, and it keeps millions of qualified buyers o
Can I Get A Mortgage After Bankruptcy
Bankruptcy feels like a financial scarlet letter, but it is not a life sentence. Hundreds of thousands of Americans buy homes after bankruptcy every s
Can I Afford A Mortgage On A Single Income
Buying a home on one income feels daunting when the world seems built for dual-income households, but single buyers purchase homes every day and build
Self-employed And Cannot Show Tax Returns For Mortgage
You built a successful business, but the tax system that rewards write-offs punishes you when you apply for a mortgage. It is one of the most frustrat
I Am Underwater On My Mortgage
Owing more than your home is worth creates a sinking feeling that is hard to shake, especially when you are making payments on a property that feels l
Too Much Student Loan Debt For A Mortgage
You did everything right: went to school, earned a degree, and built a career. But now student loans are blocking the next milestone, and it feels pro
I Have Bad Credit But Need A Home Now
When you need stable housing and your credit is standing in the way, the stress compounds in ways other people do not understand. Whether your lease i
Lost My Home To Foreclosure Can I Buy Again
Losing a home to foreclosure leaves scars that go far beyond your credit report. The sense of failure, the disruption to your family, and the fear tha
How To Get A Mortgage After Divorce
Divorce reshapes every part of your financial life, and buying a home on your own afterward can feel impossible. But single-income buyers purchase hom
Scared To Apply For A Mortgage
Fear of rejection, fear of the unknown, fear of commitment -- mortgage anxiety is completely normal. The process is not as intimidating as it seems, a
First Time Home Buyer No Idea Where To Start
Everyone starts somewhere, and the fact that you are researching puts you ahead of most. The home buying process has clear steps, and with the right g
Can I Get A Mortgage With High Debt To Income Ratio
A high DTI does not automatically disqualify you. FHA allows ratios up to 57% in some cases, and there are strategies to lower your DTI quickly withou
Cannot Afford Mortgage Payments Need To Refinance
If your mortgage payment has become unmanageable, you are not alone and you have more options than you think. From refinancing to loan modification to
Why Is Getting A Mortgage So Hard When Self Employed
You earn good money, pay your bills, and run a successful business -- yet lenders treat you like a risk. The mortgage system was built for W-2 employe
Can I Get A Mortgage With Less Than 2 Years At My Job
The 2-year employment myth keeps many qualified buyers on the sidelines. While lenders prefer 2 years, there are clear exceptions and programs that ac
Can I Get A Mortgage After A Short Sale
A short sale is not a foreclosure, and the waiting periods are significantly shorter. Many borrowers qualify for a new mortgage within 2-3 years of a
How To Get A Mortgage With Irregular Income
Gig workers, freelancers, seasonal workers, and commission earners all face the same problem: your income is real but it does not fit neatly into a W-
Can I Get A Mortgage After Debt Settlement
Settling debts for less than owed is a smart financial move, but it does leave marks on your credit. The good news is that settled debts are viewed mo
Can I Get A Mortgage With Tax Liens
Tax liens are serious but they do not permanently bar you from homeownership. Many lenders work with borrowers who have resolved tax liens or are on p
I Cannot Save Enough For A Down Payment
When rent takes most of your paycheck, saving for a down payment feels impossible. But the 20% myth is just that -- a myth. Programs starting at 0-3%
Can I Get A Mortgage During Chapter 13
Yes, you can get a mortgage while still in a Chapter 13 repayment plan. FHA allows applications after 12 months of on-time plan payments with court tr
Can I Get A Mortgage On Disability Income
Disability income is a legitimate and stable income source for mortgage qualification. Lenders cannot discriminate against disability income, and it o
Can I Get A Mortgage After Losing My Job
Job loss is destabilizing, especially when you need housing stability most. If you have found new employment, lenders focus on your current position a
Can A Single Mom Get A Mortgage
Absolutely. Single mothers buy homes every day and build generational wealth for their families. Between child support income, first-time buyer progra
Stuck With High Interest Rate Mortgage
Watching hundreds of extra dollars leave your account every month because of a high rate is painful. Whether rates have dropped, your credit has impro
How To Get A Mortgage With Cash Income
Earning cash is legitimate, but proving it to lenders requires strategy. Bank statement loans, asset-based programs, and proper income documentation c
Medical Bills Ruined My Credit Can I Get A Mortgage
Medical debt is the number one cause of bankruptcy and credit damage in America, and the lending industry knows it. That is why FHA ignores medical co
Can I Get A Mortgage As A New Immigrant
New to the country does not mean locked out of homeownership. Permanent residents, visa holders, and even some non-permanent residents can qualify for
Can I Refinance With No Equity In My Home
Limited or no equity does not always block a refinance. Streamline programs, high-LTV options, and strategic approaches exist specifically for homeown
Can Uber Drivers And Gig Workers Get A Mortgage
The gig economy has outpaced the mortgage industry, but it is catching up. Bank statement loans, 1099 programs, and creative qualification methods now
Can I Buy A House While Going Through A Divorce
Yes, you can buy a home during or immediately after divorce proceedings, but timing and documentation matter. Your divorce decree, property settlement
Can I Get A Mortgage With Lots Of Credit Card Debt
Credit card debt affects your mortgage qualification through your debt-to-income ratio and credit utilization score, but it does not disqualify you. S
Denied Mortgage Because Income Too Low
Being told your income is not enough stings, especially when you can afford rent. But lenders calculate income differently than you do, and there are
Can I Get A Mortgage With An Eviction On My Record
An eviction makes you feel like a housing pariah, but it does not appear on credit reports the same way other negative marks do. Many lenders can stil
Buying A House Is Too Overwhelming
The home buying process looks like a mountain from the bottom, but it is really a series of small steps. With the right guide, each step is manageable
Mortgage With Less Than 2 Years Self-employed
The 2-year self-employment rule is standard but not absolute. If you transitioned from an employee role in the same industry or have strong bank depos
Housing Market Too Expensive Can I Still Buy
High prices are real, but so are the programs designed to make homeownership accessible. Between low down payment options, first-time buyer assistance
I Need A Cosigner For A Mortgage What Are My Options
Needing a cosigner is not a sign of failure -- it is a common and smart strategy. FHA even has specific provisions for non-occupant co-borrowers, maki
My ARM Mortgage Is Adjusting And I Cannot Afford New Payment
An ARM adjustment can feel like a financial ambush, but you have options. Refinancing to a fixed rate, modifying your loan, or negotiating with your s
Can I Get A Mortgage After COVID Forbearance Or Hardship
COVID-era hardships affected millions. Lenders and agencies created specific guidelines that treat pandemic-related financial events more leniently th
Can I Get A Mortgage On Social Security Income Only
Social Security is a stable, reliable income that lenders accept and even give a boost to because it is non-taxable. You can absolutely qualify for a
Can I Refinance My House To Pay Off Debt
Yes. If you have equity in your home, a cash-out refinance can consolidate high-interest debt into your mortgage at a much lower rate. This can save h
Can A Veteran Get A Mortgage With Bad Credit
Your service to this country earned you one of the best mortgage benefits available -- the VA loan. VA loans have no official minimum credit score and
I Just Started A Business Can I Get A Mortgage
New business owners face a documentation chicken-and-egg problem. You need 2 years of returns for traditional loans, but bank statement and asset-base
Cannot Qualify For Investment Property Mortgage
Investment property mortgages have higher bars than primary residences, but DSCR loans changed the game. Qualify based on the property's rental income
Can I Get A Mortgage While Paying Child Support
Child support is a fixed monthly obligation that lenders include in your DTI, but it does not prevent mortgage qualification. Many parents paying chil
First In My Family To Buy A House Where Do I Start
Being the first in your family to buy a home is a milestone that changes your family's financial trajectory forever. You may not have parents who went
How To Remove Ex Spouse From Mortgage After Divorce
Removing an ex-spouse from a mortgage requires refinancing into your name alone. This is one of the most common post-divorce financial moves, and lend