Conventional

Why You Can’t Buy a Home While in Credit Repair Due to Disputes

If you're actively working on improving your credit, you're already on the right track toward homeownership. However, if your credit repair process involves disputing accounts, you might be surprised to learn that this can temporarily prevent you from buying a home. Many buyers don't realize that open disputes on their credit report can cause issues when applying for a mortgage. Here’s why and what you...

Navigating the Loan Process for Barndominiums and Land Purchases

Embarking on the journey to purchase a Barndominium or land involves understanding distinct financing processes tailored to each property type. This guide outlines the steps for both Barndominium and land loans, providing clarity to prospective buyers. Barndominium Loan Process: Evaluate Your Financial Standing: Credit Score: Ensure your credit score meets the minimum requirement of 660. A higher...

The Ultimate Guide to Mortgage Documents: W-2 vs. 1099 Employees

When you’re applying for a mortgage, one of the most critical parts of the process is providing the necessary documentation. The type of documents you need can vary depending on how you’re employed. Whether you’re a W-2 employee or a 1099 independent contractor, this guide breaks down the requirements so you can prepare with confidence. Documents Required for W-2 Employees If you’re a...

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