The veteran and the spouse were originally co-borrowers on a VA loan and subsequently divorced.... Campus Mortgage 2,42 тыс. подписчиков Скачать
The veteran and the spouse were originally co-borrowers on a VA loan and subsequently divorced.... Скачать
The borrower wants to use rental income from a pool house on the subject property to offset the.... Скачать
The borrower was told that a co-operative is not “real property” and the previous lender they.... Скачать
The borrower has a primary residence in the state of New York and is asking to do a cash-out CEMA... Скачать
The borrower is getting a $20,000 fixed rate second mortgage on their current home. The note.... Скачать
When running excluded parties in SAM, the real estate agent’s name showed as excluded from.... Скачать
A married couple both signed the initial application and all disclosures but one spouse was.... Скачать
The closed VA loan was rejected during automated submission for the Guaranty Certificate with a.... Скачать
A self-employed, Schedule C, borrower wants to exclude a large car payment because the business.... Скачать
An IRS tax lien was discovered during processing an FHA loan. The borrower has been making.... Скачать
The property is located just outside Anchorage, Alaska and is in a blue avalanche zone. Can that.... Скачать
The appraisal shows that one of the bathrooms is being remodeled and is subject to the work being... Скачать
The purchase contract indicates that the property is on a community well but the appraisal shows.... Скачать
The VA loan has been suspended because the proposed second mortgage would put the borrower in a.... Скачать
On an FHA refinance, the borrower is having the old, manufactured home removed and is installing.... Скачать
Three families are purchasing a three-bedroom, one-bath house together. There will be five adults... Скачать
On a conventional loan for the refinance of a rental home, the borrower’s tax return shows a.... Скачать
The parents have been making a large car payment on the borrower’s behalf for the last twelve.... Скачать
The borrower is using non-traditional credit for a manually underwritten FHA loan. They provided.... Скачать
The FHA appraiser commented that the property has potential methamphetamine contamination and the... Скачать
There is a clause in the purchase contract for a second home calling for the transfer of a.... Скачать
The borrowers are financing a home purchase for their parents to live in and will not be living.... Скачать
The borrower currently owns a property that is on pending sale and is scheduled to close two.... Скачать
The borrower’s credit report reflects a “foreclosure” on a timeshare account. Since this is a.... Скачать
The borrower holds a life estate in the property where they currently live. Do costs associated.... Скачать
The purchase contract indicates that a $5,000 carpet allowance is to be given to the borrower at.... Скачать
When closing an FHA purchase, can the borrower get full credit for all large prorations even if.... Скачать
The property is a new construction and the appraisal shows the address has a lot number and.... Скачать
The borrower is using a Rural Development loan to buy a fifty-acre flower farm. They say they.... Скачать
The borrower is doing an FHA 203(k) loan. The appraisal shows that the roof and walls of the.... Скачать
The borrower has a relocation agreement with their employer. Their current home will still be in.... Скачать
The property seller is involved in a short sale. What documentation is needed for the loan file? Скачать
There is a Mechanic’s Lien showing on the title binder. What is that and how should it be resolved? Скачать
The borrower doesn’t want to pay for Owner’s and Lender’s Title Insurance. Can the Owner’s Title.... Скачать
The title shows that the subject property, along with other properties, is encumbered by a large.... Скачать
An appraisal photo shows a very large water tower across the street from the subject property but... Скачать
The first page of the appraisal indicates that the lot is 50 x 100 feet, however, the tax.... Скачать
The HOA Certificate indicates that the condominium project has a pending litigation for repairs.... Скачать
The credit report shows a substantial amount of derogatory credit, over 12 months ago, that was.... Скачать
Can a current job as a mechanic for only three months be considered as a stable work history for.... Скачать
The borrower is using FHA financing for their home purchase but was just accepted to a new.... Скачать
The borrower is leaving their current job and intends to take a three-month sabbatical before.... Скачать
A written VOE was requested for the borrower and when it came back, it showed they will be.... Скачать
The borrower has a related prior employment history and is now self-employed. He provided last.... Скачать
The borrower wants to buy a new home using the shared equity program. What things should be.... Скачать
The borrower is doing a no cash-out refinance on a Texas property. They are only getting $100.... Скачать
The borrower currently lives in Vermont and is moving to Alabama. They have a Reverse Mortgage.... Скачать
The loan was approved and locked but the borrower decided to go with a different loan program and... Скачать
The purchase contract shows that the sale was transferred from the original buyer to a new one at... Скачать
The underwriter denied a loan; saying it did not pass the reasonableness test. Is this a written.... Скачать
The borrower is self-employed and the sole owner of a full C-corporation. They want to do an FHA.... Скачать
Is all social security income allowed to be grossed up or do you have to be of retirement age to.... Скачать
A borrower is a sole proprietor of a business that has had a continual income decrease for the.... Скачать
On the URLA 1003, it appears as though the borrower is getting Social Security benefits but is.... Скачать
Is it a requirement that each borrower has a Verbal Verification of Employment (VVOE) obtained.... Скачать
The borrower wants to use his retirement account for down payment and closing costs, however.... Скачать
When calculating Second Job, Part-Time and Seasonal Employment, a minimum 2-year history is.... Скачать
When calculating bonus, overtime, and commission, a minimum of two-year history is required. What... Скачать
If a borrower has had several jobs within the past few years but has always held a job, with.... Скачать
When validating the borrower’s Social Security Number, both the W2 and credit report have.... Скачать
When validating the borrower information on the credit report, what is the most reliable document... Скачать
The credit report pulled by the processor reflects several 30-day accounts. How do these differ.... Скачать
When reviewing the inquiries returned on a credit report, what time as a look back period should.... Скачать
The borrower was a co-owner of the previous marital home but was not on the mortgage. The.... Скачать
The borrower is a well-known collegiate football coach, but recent news indicates that the.... Скачать
The appraisal states that the property is a newly constructed 3D printed home. Would that be.... Скачать
What are cross-over losses on a HECM loan and how does it affect the borrower’s future loan.... Скачать
Since the property did not appraise high enough to support the loan request, the borrower wants.... Скачать
A family member has disclosed that the borrower has advanced dementia and wants to close the loan... Скачать
When processing an Oklahoma loan, the closing attorney provided an Attorney Opinion Letter.... Скачать
The borrower is expecting a large cash settlement soon and is asking if a ten-year ARM or balloon... Скачать
On an FHA loan for new construction, the builder says the house was built above the flood zone.... Скачать
When processing a Non-QM bank statement loan, is additional income documentation required to meet... Скачать
The borrower is relocating from New York to Arizona but will continue to work with the same.... Скачать
The borrower's spouse owns the previous home in his name only and he is not in the new loan.... Скачать
The borrower is self-employed and runs a local dance studio. They receive income from it and.... Скачать
The property is a new construction with multiple changes to the sales price after the appraisal.... Скачать
The appraisal indicates that the property is located close to a “tank farm” that has a mass.... Скачать
The borrower currently owns an auto repair shop in Montana. He is buying a new home in Idaho and.... Скачать
The title report shows the condominium as fee simple but there is a long-term land lease showing.... Скачать
The borrower co-signed an auto loan for their child. They provided copies of bank statements to.... Скачать
Can the borrower amend their IRS tax returns to increase reported income after the application.... Скачать
The appraisal indicates the subject property backs up to a “Superfund” site. How does that affect... Скачать
Why can’t the borrower provide the name and contact information to obtain a verification of.... Скачать
Are sellers on a VA loan limited to paying only four percent toward the buyers’ closing costs? Скачать
The borrower is using a short-term, single payment bridge loan for funds to close since the.... Скачать
The contract shows the purchase is part of a 1031 tax exchange. How does that affect the loan? Скачать
The real estate agent helped obtain a verification of employment for the borrower’s FHA loan.... Скачать
The borrower receives a state subsidy for an adopted child. Can this be used as qualifying income? Скачать
If the veteran borrower is deployed overseas, can the new house still be his primary residence.... Скачать
If a sales price changes after the appraisal is completed, is an amended appraisal reflecting the... Скачать
The borrower is going to work for the family business but will not start until after closing.... Скачать
During a processing review, it is noticed that the borrower’s paystubs do not include deductions.... Скачать
The seller on the purchase contract is a company and not an individual. How would you know if.... Скачать
If a borrower has a high L-T-V and is required to escrow, will the Homeowners Association dues be... Скачать
If there is a HELOC reflected on the credit report, can you qualify the borrower with only.... Скачать
If a borrower carries Mortgage Insurance on the loan, does that protect him from default or from.... Скачать
On a refinance, since there is no purchase contract, what would you use for the estimated.... Скачать
What is the difference in a deed of trust and a mortgage and why is it that not all states use.... Скачать
The borrower is really wanting to waive escrows. Is there any way around the borrower having.... Скачать
If a borrower was issued an initial loan estimate and it has expired, is a creditor able to use.... Скачать
When calculating income from a borrower’s schedule E, in what situations are you able to add back... Скачать
Borrower is a self-employed tow truck driver and wants to exclude the payment of the tow truck.... Скачать
A borrower cannot qualify on his own regular income but recently has been placed into a trust. He... Скачать
When processing a loan in the DSCR or debt service coverage ratio program, how is income calculated? Скачать
Non QM loans allow for asset depletion from a number of sources, not just retirement. What.... Скачать
Regarding the bank statement program for Non-QM loans, what types of borrowers would this product... Скачать
When underwriting a commercial loan, it is important to establish an accurate collateral value.... Скачать
What are the requirements for a veteran’s surviving spouse to be able to use the VA benefits of.... Скачать
Is any person who served in the United States military forces considered to be an eligible.... Скачать
A veteran borrower will be transferred out of state within the next year and would like to.... Скачать
When processing a refinance for the VA IRRRL Program, what are the allowable costs that make up.... Скачать
A veteran borrower has chosen a manufactured home as the property for which he intends to buy.... Скачать
There are all different types of military pay on the veteran borrower’s leaves and earnings.... Скачать
Borrower works two part time seasonal jobs, at a waterpark in the summer and at a holiday theme.... Скачать
Borrower is selling his current residence and the equity will be used for the downpayment on a.... Скачать
The veteran borrower’s credit report reflects a previous foreclosure. Does this disqualify him.... Скачать
When processing a VA loan, it must be established if the veteran is exempt from or is responsible... Скачать
When processing the loan, it is noticed on the bank statements that the borrower is making.... Скачать
When processing the loan, it is noticed that the seller on the contract is not the same as the.... Скачать
The borrower has a recent large deposit in his bank account that he states was for the sale of a.... Скачать
The borrower is using Stocks and Bonds for assets to close. As a processor, how should the value.... Скачать
The borrower’s credit report reflects that he is still on the note for an investment property.... Скачать
If the borrower is disabled and unable to work, can the income received from a boarder be used.... Скачать
If a borrower has recently accepted a contract for new employment but will not start the position... Скачать
For a borrower whose credit report is returned with several accounts with balances but no monthly... Скачать
As a processor, I routinely review Schedule B on the Title Commitment to determine if the.... Скачать
During an underwriting review of the title commitment, it is noticed that the borrower has.... Скачать
When reviewing all of the borrowers’ types of income, the tax returns reflect several different.... Скачать
As a processor, I know that VA funding fee rates were reduced in early 2023. Does this apply to.... Скачать
What circumstances would be acceptable to close a loan before the standard waiting period for.... Скачать
If a property is in an area known to be prone to natural hazards, is it eligible for financing? Скачать
There is conflicting information in the file for the property. How would you determine if it’s.... Скачать
The borrower is using a SuSu account for the down payment. Is that an acceptable source of funds? Скачать
Can the depreciation amount included in the IRS standard business mileage deduction be added.... Скачать
A college professor is returning to his regular position after a two-year sabbatical. Does that.... Скачать
The borrower receives income from a side hustle he wants to use to qualify. How would that be.... Скачать
A review of the borrowers’ tax returns show they receive income not to farm their land. Is that.... Скачать
What kind of comparable sales can be used when the property is the first sold in a new subdivision? Скачать
The residual income on a VA loan is too low. Can income from a non-borrowing spouse be used to.... Скачать
The borrower on a VA loan works for a railroad. The paystub doesn’t show a Social Security.... Скачать
The borrower is a union construction worker with over a dozen jobs in the last 2 years. Can that.... Скачать
The borrower wants to cash in credit card reward points to use as part of the down payment.... Скачать
The contract shows the sale is “rent to own”. Rent was $1000 with a $500 monthly credit. The.... Скачать
The borrower intends to sell an antique as part of the down payment. What documents should.... Скачать
The borrower wants to use Bitcoin for the down payment. Is that allowable and how would you.... Скачать
The borrower has worked at Macy’s during the holiday season for the last 3 years but isn’t.... Скачать
The borrower just started a new, salaried position in the same line of work as his prior job.... Скачать
What kind of documentation is needed when the contract shows the earnest money is a promissory note? Скачать
The contract reflects a backyard jungle gym included in the sale and the appraisal shows it is.... Скачать
On a VA new construction loan, should a one year warranty be obtained or can 3 stage inspections.... Скачать
On a VA loan, what document would reference if the borrower is a first time user of entitlement.... Скачать
If a borrower has over $2000 in collections, is proof of payoff of these required or can a.... Скачать
An FHA case query was run when processing an FHA loan, showing a previous case number assigned.... Скачать
