The borrower applies for an FHA purchase loan where the proposed housing payment is significantly higher than their current rent, resulting in a high front-end DTI. How does the underwriter....
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for a Conventional loan and has multiple medical collections totaling $22,000, all unpaid, with no other derogatory credit. How does the underwriter evaluate this?
The borrower applies for a Conventional loan and has multiple medical collections totaling $22,000, all unpaid, with no other derogatory credit. How does the underwriter evaluate this?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for an FHA loan and is self-employed as a graphic designer with fluctuating annual income. Last year’s tax return shows lower net income than the prior year, but....
The borrower applies for an FHA loan and is self-employed as a graphic designer with fluctuating annual income. Last year’s tax return shows lower net income than the prior year, but current contracts indicate improvement. How does the underwriter evaluate this?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for a VA purchase loan after returning to civilian employment. His credit report shows late payments during a deployment gap and thin recent trade lines. How does....
The borrower applies for a VA purchase loan after returning to civilian employment. His credit report shows late payments during a deployment gap and thin recent trade lines. How does the underwriter evaluate the inconsistent credit history?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for an FHA purchase loan using income from full-time employment, part-time work, and Social Security benefits. How does the underwriter evaluate multiple income sources?
The borrower applies for an FHA purchase loan using income from full-time employment, part-time work, and Social Security benefits. How does the underwriter evaluate multiple income sources?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for a VA purchase loan on a home where the appraisal notes a damaged roof, unsafe wiring, and missing handrails requiring major repairs. How does the underwriter handle....
The borrower applies for a VA purchase loan on a home where the appraisal notes a damaged roof, unsafe wiring, and missing handrails requiring major repairs. How does the underwriter handle the property condition?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for an FHA loan and plans to qualify using monthly retirement distributions from a 401(k) and Social Security benefits. How does the underwriter evaluate retirement income?
The borrower applies for an FHA loan and plans to qualify using monthly retirement distributions from a 401(k) and Social Security benefits. How does the underwriter evaluate retirement income?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for an FHA purchase loan using gift funds from both her parents and her employer for the down payment and closing costs. How does the underwriter assess multiple gift sources?
The borrower applies for an FHA purchase loan using gift funds from both her parents and her employer for the down payment and closing costs. How does the underwriter assess multiple gift sources?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for a Fannie Mae loan but has only 10 months of full-time employment after graduating college. She has stable pay, but her work history is limited. How does the underwriter....
The borrower applies for a Fannie Mae loan but has only 10 months of full-time employment after graduating college. She has stable pay, but her work history is limited. How does the underwriter evaluate her income?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for an FHA loan after relocating to a new city for a different employer. She has only two months on the new job but consistent prior employment. How does the underwriter....
The borrower applies for an FHA loan after relocating to a new city for a different employer. She has only two months on the new job but consistent prior employment. How does the underwriter evaluate this loan?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for an FHA loan and wants to use rental income from two investment properties to qualify, but one property was purchased last year. How does the underwriter calculate and....
The borrower applies for an FHA loan and wants to use rental income from two investment properties to qualify, but one property was purchased last year. How does the underwriter calculate and document the income?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for a VA purchase loan but resigns from his current job two weeks before closing and starts a new salaried position three days after closing. How does the underwriter qualify him?
The borrower applies for a VA purchase loan but resigns from his current job two weeks before closing and starts a new salaried position three days after closing. How does the underwriter qualify him?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for an FHA loan to buy a home zoned “mixed-use,” and the appraisal notes a small attached studio used for occasional client visits. How does the underwriter address....
The borrower applies for an FHA loan to buy a home zoned “mixed-use,” and the appraisal notes a small attached studio used for occasional client visits. How does the underwriter address the unique zoning?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for an FHA purchase loan and the credit report shows $18,000 in medical collections from 2023, but all other accounts are current. Must they be paid?
The borrower applies for an FHA purchase loan and the credit report shows $18,000 in medical collections from 2023, but all other accounts are current. Must they be paid?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for a Fannie Mae conventional loan, but a recent credit report and divorce decree show she is 3 months past due on court-ordered child support. How does the underwriter....
The borrower applies for a Fannie Mae conventional loan, but a recent credit report and divorce decree show she is 3 months past due on court-ordered child support. How does the underwriter address this delinquency?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for a VA loan with a seller-paid 2-1 temporary rate buydown to lower payments for the first two years. How does the underwriter qualify the loan?
The borrower applies for a VA loan with a seller-paid 2-1 temporary rate buydown to lower payments for the first two years. How does the underwriter qualify the loan?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for an FHA loan with a 3.5% down payment and shows $85,000 in savings. The underwriter notices several recent large deposits. How is this evaluated?
The borrower applies for an FHA loan with a 3.5% down payment and shows $85,000 in savings. The underwriter notices several recent large deposits. How is this evaluated?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower has a 45/52 DTI. He has $120,000 in a 401(k) and asks if it can help offset the high ratios. How does the underwriter evaluate this FHA loan?
The borrower has a 45/52 DTI. He has $120,000 in a 401(k) and asks if it can help offset the high ratios. How does the underwriter evaluate this FHA loan?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for an FHA loan with proposed PITIA + HOA of $2,450 and gross income of $6,000 (41%), pushing ratios high. How is this evaluated?
The borrower applies for an FHA loan with proposed PITIA + HOA of $2,450 and gross income of $6,000 (41%), pushing ratios high. How is this evaluated?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
The borrower applies for a Fannie Mae loan on a 1-unit home that shares a well with the neighbor, but title shows no recorded agreement. How does the underwriter proceed?
The borrower applies for a Fannie Mae loan on a 1-unit home that shares a well with the neighbor, but title shows no recorded agreement. How does the underwriter proceed?
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of CampusMortgage®. Nothing contained in this video should be considered legal advice. Due to ongoing changes to mortgage regulations and guidelines, the information presented in this video is time sensitive and subject to change, without notice. Although every effort has been made to ensure accuracy, CampusMortgage does not guarantee the accuracy of any information contained herein. This video is for informational purposes only and not intended to be used in place of any official government guideline or regulation. Each Investor and/or Lender may have additional overlays, which you need to be aware of.
© 2024 CampusMortgage®. All Rights Reserved. Without the prior written permission of Mortgage University, Inc. (DBA CampusMortgage), no part of this video/content may be used, reproduced or transmitted in any form.
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Written By: Stacey Sprain
As an FHA originator, processor or underwriter, it’s likely that in the ongoing foreclosure market you’ll run across a HUD REO loan at some point. The purpose of this multi-part article is to provide you with some useful information to help in your endeavors.