While unpaid utilities, rent and cellphone bills that are sent to collections will have a negative impact on your credit scores, the positive payment activity is not factored into most scoring …
Nontraditional Credit
Do you really want to get out of that apartment? Did you know that NOW is that time you can make a KILLING buying real estate and DUMP your roommates?? Nontraditional Credit might be a way to do this …
First Time Home Buyers with Student Loan Debt
There are some new guidelines effective September 23, 2019 for First Time Home Buyers with Student Loan Debt. Freddie Mac will now requires us to count either your Student Loan payment, OR .5% of the …
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Buying a House With Student Loans
I went to a mortgage conference last week, and one speaker (who is also an attorney) suggested that within this next Presidential Budget we would likely see the introduction of a new "breed" of …
Student Loan (IBR) and Mortgage Qualification
We've had a ton of questions from folks, looking for information about their Student Loans, and how the payments on the deferred student loans, and IBR Student Loan payments will be looked at when …
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Student Loans in Forbearance and Mortgage Approval
I've been asked recently about the difference between Student Loans that are Deferred, and Student Loans in Forbearance and Mortgage the Approval process. Both student loan deferments and student …
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