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HECMS for Purchases https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/07/11/do-you-have-enough-information-calculate-income monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427905413189-J603ZVSREO60HUH8ZL2Q/NEW_NAMU_LOGO_resized.jpg Library - Do You Have Enough Information to Calculate Income? https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/06/27/underwriters-toolbox-list-must-have-resources monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427905638274-MRA6BY1GBAQH2GSB4XMF/image-asset.jpeg Library - Underwriter’s Toolbox: A List of Must-Have Resources https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/06/20/203h-home-mortgage-insurance-disaster-victims-program monthly 0.5 2016-10-25 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427905764658-4NS8KW81Y6H36EZCG8T8/image-asset.jpeg Library - The 203(h) Home Mortgage Insurance for Disaster Victims Program https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/05/30/file-notation-best-practices monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427905948800-JM3QBQ75GHODPWKICAI6/image-asset.jpeg Library - File Notation Best Practices https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/05/23/using-monthly-interest-rate-factor monthly 0.5 2018-01-02 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427906192655-P2D5T9I9W20K4DIXQXMT/image-asset.jpeg Library - Using the Monthly Interest Rate Factor https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/05/16/career-progression-mortgage-industry monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427906330534-9S20FN93ZO5FGHNRJS6A/image-asset.jpeg Library - Career Progression in the Mortgage Industry https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/05/09/obtaining-hud-community-block-grant-loaded-paperwork monthly 0.5 2018-01-02 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427906486187-R93RQL3XKH0A5UR1VRTR/image-asset.jpeg Library - Obtaining a HUD Community Block Grant is loaded with paperwork. https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/05/02/income-analysis-forms-and-formulas monthly 0.5 2015-04-01 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427906634596-T2KGSDS1AHYTZ4SOT6G7/image-asset.jpeg Library - Income Analysis Forms and Formulas https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/04/27/do-not-ignore-fraud-alert monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427906887785-G1BIPW11DV1KZF65GFDF/image-asset.jpeg Library - Do Not Ignore that Fraud Alert https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/04/10/ability-repay-atr-non-qm-loans monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427907024555-SCSO340K3BPUM5Z3GWFI/image-asset.jpeg Library - The Ability to Repay (ATR) for Non – QM Loans https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/03/29/underwriting-rental-income monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427907173518-DFX2X1AP8KA9LV6U4XPM/image-asset.jpeg Library - Underwriting Rental Income https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/03/22/changes-coming-fha monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427907384644-3B6X1MYGTUWW3C822TSS/image-asset.jpeg Library - Changes coming to FHA https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/03/15/property-condition-considerations monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427907511941-3HN8BZBHIQGJUK33PBCP/image-asset.jpeg Library - Property Condition Considerations https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/03/08/hud-releases-qualified-mortgage-definition monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427907642170-68M4TS94VWU7IH76KI85/image-asset.jpeg Library - HUD Releases Qualified Mortgage Definition https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/03/01/mortgage-industry-whats-it-me monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427907777709-KK0QIC00PVYOX3X0XFTK/image-asset.jpeg Library - The Mortgage Industry: What’s In It For Me? https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/02/22/annual-percentage-rate monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427907993143-0MTKHTTR6QNSD7CR9CFJ/image-asset.jpeg Library - Annual Percentage Rate https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/02/14/freddie-mac-updates monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427908146144-R4N5S0J18RWZDPELZWH3/image-asset.jpeg Library - Freddie Mac Updates https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/02/07/mortgage-fraud-how-avoid-mortgage-fraud monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427908405587-E9JCP8F2ZQR3YYQS8DWP/image-asset.jpeg Library - Mortgage Fraud – How to Avoid Mortgage Fraud https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/01/31/maximizing-slow-season monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427908722527-L799BZMZWB5OUU2BU9AK/image-asset.jpeg Library - Maximizing the Slow Season https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/01/10/getting-mortgage-self-employed monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427909153958-QDCVWSJ170EBR2FE2Z1U/image-asset.jpeg Library - Getting a mortgage for the Self – employed! https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/01/03/2013-wrap-looking-forward-2014 monthly 0.5 2018-01-03 https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/12/27/will-government-mortgage-financing-grow-popularity monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427909862545-Y48745GGT0LQ7S2IEWW6/image-asset.jpeg Library - Will Government Mortgage Financing Grow in Popularity? https://www.mortgage-underwriters.org/mortgage-underwriting-news/2014/01/24/are-there-any-refinances-left monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427908939046-YXOYCIUPEL0N0250F243/image-asset.jpeg Library - Are there any Refinances left? https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/12/20/refinance-vs-purchase-transactions monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427910074749-1VBCO3Z9LFG4RCD6919F/image-asset.jpeg Library - Refinance vs. Purchase Transactions https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/12/13/post-hurricane-sandy-report-first-hand-report monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427910278962-BLWQRU9CBYWJYKGM5TFS/image-asset.jpeg Library - Post Hurricane Sandy Report, A first hand report https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/12/06/preparing-file-clear-close monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427910509129-PWI3HL87G9WP9X9DWBTA/image-asset.jpeg Library - Preparing a File for Clear to Close https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/11/27/what-government-shutdown-means-mortgage-market monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427910738935-CPXA5U7K7G3X13P8QEQT/image-asset.jpeg Library - What the Government Shutdown Means to the Mortgage Market https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/11/22/longevity-mortgage-industry-what-does-it-take monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427910985427-7G8XKLH4IJ529AHKG0KL/image-asset.jpeg Library - Longevity in the Mortgage Industry: What does it Take? https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/11/15/make-me-offer monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427911159175-GGGCT48J5BTV01MZE2QB/image-asset.jpeg Library - Make Me an Offer! https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/11/08/du-lp-changes monthly 0.5 2015-04-01 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427911308410-9R7CVS8RZL40XCA3CPWZ/image-asset.jpeg Library - DU & LP Changes https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/11/01/one-size-cannot-fit-all-just-one-loan-program-cannot-fit-all monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427911502339-VG01H7YRZQ5SYHB399NL/image-asset.jpeg Library - One Size Cannot Fit All Just like One Loan Program Cannot Fit All https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/10/25/reviewing-purchase-agreements monthly 0.5 2015-04-01 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427911648483-R3YAU5V3UH187QT1YV87/image-asset.jpeg Library - Reviewing Purchase Agreements https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/10/18/will-changes-reverse-mortgage-program-kill-program monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427911798778-JSNSNYHMIRK11EKMGCH9/image-asset.jpeg Library - Will the Changes to the Reverse Mortgage Program kill the Program? https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/10/11/networking-mortgage-industry monthly 0.5 2015-04-01 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427911971495-IE8WV6W4WORA7S6TA7C2/image-asset.jpeg Library - Networking in the Mortgage Industry https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/09/20/title-insurance-information monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427912120774-I8J0YL28JZP0X5IQ0146/image-asset.jpeg Library - Title Insurance Information https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/09/13/debt-income-ratios monthly 0.5 2018-01-16 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427912303952-DUNS2KTM3Q1HB2SPH8HQ/image-asset.jpeg Library - Debt to Income Ratios https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/08/30/reviewing-tax-returnfinancial-statement monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427912501073-RNQ1C39L6QWLQQLQUGZK/image-asset.jpeg Library - Reviewing a Tax Return/Financial Statement https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/08/23/what-are-characteristics-good-underwriter monthly 0.5 2015-04-01 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427913189586-YM5O7YQ486T7J9AUCVRV/image-asset.jpeg Library - What Are the Characteristics of a Good Underwriter? https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/08/02/obtaining-mortgage-when-you-are-self-employed monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427913727899-D9KD1M21JEYFN6IJOCJO/image-asset.jpeg Library - Obtaining a Mortgage When You Are a Self–Employed Borrower https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/07/26/value-mortgage-education monthly 0.5 2015-04-01 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427913869563-DUZSPBOS7CO6BQOR32P3/image-asset.jpeg Library - The Value of Mortgage Education https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/07/19/there-nomination-your-future monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427914014310-UV5IF0QQFXZUTLPEP59J/image-asset.jpeg Library - Is there a nomination in your future? https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/07/12/perils-piece-mailing monthly 0.5 2015-04-01 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427914155136-67OD15G1R9L1I2ZJ0JLW/image-asset.jpeg Library - The Perils of Piece-Mailing https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/06/24/looks-it-getting-more-costly-purchase-home-fha-financing monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427914731328-VBYHJVCC3K0F57NXR7O7/image-asset.jpeg Library - Looks like it is getting more costly to purchase a home with FHA financing! https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/06/14/best-practices-letters-explanation monthly 0.5 2015-04-01 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427914996093-D9APFDTEFZRNZV3AA9E9/image-asset.jpeg Library - Best Practices: Letters of Explanation https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/05/24/mortgages-and-credit-scores monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427915201606-2YRDM4NENFAKENC0CZMG/image-asset.jpeg Library - Mortgages and Credit Scores https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/05/10/one-mans-loss-another-mans-gain monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427915355713-4VX82CPS34SEWKQ6R1I7/image-asset.jpeg Library - One man’s loss is another man’s gain! https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/04/26/little-tip-improve-your-loan-processing-and-originating monthly 0.5 2015-04-01 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427915545731-SSVRGF6C02RWEUIQEP7M/image-asset.jpeg Library - A Little Tip to Improve your Loan Processing and Originating https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/04/19/could-there-be-harp-3-future monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427915734774-9PNYGY83DD6IPSOU5DC8/image-asset.jpeg Library - Could there be a HARP 3 in the future? https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/03/29/first-crack-wall monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427915919898-FORP8TDE20FTF046B23E/image-asset.jpeg Library - The First Crack in the Wall https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/03/15/what-identity-theft monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427916072504-IEX3NUA121R4H1Y9GXGL/image-asset.jpeg Library - What is Identity Theft? https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/03/01/fha-getting-tougher-and-annual-mips-are-going-and-lasting-long monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427916222069-1VV7UXLR9G9LH1VAZHPB/image-asset.jpeg Library - The FHA is Getting Tougher and the Annual MIPS Are Going UP and Lasting Longer https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/02/15/mortgage-insurance-disaster-victims-section-203-h monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427916367231-QDVUW6A9CXR2Z2165KDR/image-asset.jpeg Library - Mortgage Insurance for Disaster Victims Section 203 (h) https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/02/01/what-bankruptcy-protection monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427916516409-SQ1KMO3F49VQ99D4HVYP/image-asset.jpeg Library - What is Bankruptcy Protection? https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/01/25/understanding-credit-scoring monthly 0.5 2018-01-03 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427916665634-IHSO17CZ2DZK2KN6BWSN/image-asset.jpeg Library - Understanding Credit Scoring https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/01/11/re-cap-new-disclosures-soon-come monthly 0.5 2015-04-01 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427916989480-NZNCX38PR7OCZJV03FS0/image-asset.jpeg Library - A Re-cap of New Disclosures Soon to Come https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/01/11/understanding-hud-reo-part-one-overview-reo-process monthly 0.5 2018-01-02 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427916827058-MVK13O44UESTKCED3W4Y/image-asset.jpeg Library - Understanding HUD REO- Part One: Overview of the REO Process https://www.mortgage-underwriters.org/mortgage-underwriting-news/2013/01/04/new-year-resolution-start-now-achieve-goals monthly 0.5 2015-04-01 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427917194557-8N46JXVTEEK7EH1VTGJD/image-asset.jpeg Library - New Year Resolution, Start Now To Achieve Goals https://www.mortgage-underwriters.org/mortgage-underwriting-news/2012/12/21/siva-sisa-nina-and-option-arm-programs-highly-responsible-mort monthly 0.5 2015-04-01 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427917628659-Z5C0XQ62KW0FJSLQ03AT/image-asset.jpeg Library - SIVA, SISA, NINA and OPTION ARM PROGRAMS HIGHLY RESPONSIBLE FOR MORTGAGE BUBBLE BURST https://www.mortgage-underwriters.org/mortgage-underwriting-news/2012/12/14/are-you-ready monthly 0.5 2015-04-01 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1427917832562-EVSIISV18KJNWVJRZCBB/image-asset.jpeg Library - 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Something Positive from the Allied Mortgage Debacle https://www.mortgage-underwriters.org/mortgage-underwriting-news/2011/10/29/getting-files-closed monthly 0.5 2015-04-02 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1428002523658-LX4HBWEVEE4Z650XPET4/image-asset.jpeg Library - Getting Files Closed https://www.mortgage-underwriters.org/mortgage-underwriting-news/2011/09/16/few-changes-va-loan-types monthly 0.5 2015-04-02 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1428003481712-P1CG7D54T0FVLI3DK8OY/image-asset.jpeg Library - A Few Changes for VA Loan Types https://www.mortgage-underwriters.org/mortgage-underwriting-news/2011/09/09/rural-housing-guarantee-annual-fee-requirements-effective-1001 monthly 0.5 2018-01-02 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1428003770188-UGZVJ6702LPIR0LET80S/image-asset.jpeg Library - Rural Housing Guarantee & Annual Fee Requirements Effective 10/01/2011 https://www.mortgage-underwriters.org/mortgage-underwriting-news/2011/08/26/major-changes-rapid-succession-next-45-days monthly 0.5 2021-03-10 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1428004159989-G8J9QXFMBXD8PTNUXACM/image-asset.jpeg Library - 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New Quality Control Measures https://www.mortgage-underwriters.org/mortgage-underwriting-news/2011/01/07/tis-season-giving-take-advantage-my-freebies monthly 0.5 2015-04-07 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1428449052275-1EU41RKFA7F5JNMAFZN4/image-asset.jpeg Library - Tis the Season for Giving! 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https://www.mortgage-underwriters.org/mortgage-underwriting-news/2010/11/12/agency-appraisal-related-announcements-importance monthly 0.5 2015-04-07 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1428450634992-K48L3NRXYK18JU0JIHIK/image-asset.jpeg Library - Agency Appraisal-Related Announcements of Importance https://www.mortgage-underwriters.org/mortgage-underwriting-news/2010/11/04/little-effort-please monthly 0.5 2015-04-07 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1428450940278-H31M6FBFAI38GFCW0G0W/image-asset.jpeg Library - A Little Effort Please! https://www.mortgage-underwriters.org/mortgage-underwriting-news/2010/10/22/improving-fha-203k monthly 0.5 2015-04-08 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1428451283375-0LZFBC6QBICG24I6W3W5/image-asset.jpeg Library - Improving the FHA 203K 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https://www.mortgage-underwriters.org/mortgage-underwriting-news/2010/09/17/irrational-underwriter monthly 0.5 2015-04-08 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1428454262967-RLGW77ISBYS4ZGEWGGYK/image-asset.jpeg Library - The Irrational Underwriter https://www.mortgage-underwriters.org/mortgage-underwriting-news/2010/09/17/hhhmmm-so-you-want-my-business monthly 0.5 2018-01-16 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1428540510133-TBSOFG3BIIS0A1II69PZ/image-asset.jpeg Library - HHhmmm So You Want My Business? https://www.mortgage-underwriters.org/mortgage-underwriting-news/2010/09/17/fannie-mae-loan-quality-initiative-now-requires-ldp-and-epls-c monthly 0.5 2018-01-02 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1428540303089-7ZL472NLUWCMJK0B3TYA/image-asset.jpeg Library - Fannie Mae Loan Quality Initiative Now Requires LDP and EPLS Checks for Interested Parties 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https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1720190698063-40ADSAJ5TNWD8GPCK1YO/image-asset.jpeg NAMU® Customer Reviews & Testimonials - NAMP® CUSTOMER REVIEW: Michelle, California - The Official NAMU® Underwriter Bootcamp NAMP® CUSTOMER REVIEW: Michelle, California - The Official NAMU® Underwriter Bootcamp Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences. The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The National Association of Mortgage Processors (NAMP) is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing. https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1731427535391-9BN1B954C695W7EE36SH/image-asset.jpeg NAMU® Customer Reviews & Testimonials - NAMU® CUSTOMER REVIEW: Michelle, Pennsylvania - Certified Master Mortgage Underwriter (NAMU®-CMMU)® NAMU® CUSTOMER REVIEW: Michelle, Certified Master Mortgage Underwriter (NAMU®-CMMU)® https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1746536792266-Z60NCPKDLG2PXWNIQ4HL/image-asset.jpeg NAMU® Customer Reviews & Testimonials - NAMU® CUSTOMER REVIEW: Ivan S., Alaska - Certified Master Mortgage Underwriter (NAMU®-CMMU)® NAMU® CUSTOMER REVIEW: Ivan S., Alaska - Certified Master Mortgage Underwriter (NAMU®-CMMU)® https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1747065975494-UQW1EX388D76SQ31OFTE/image-asset.jpeg NAMU® Customer Reviews & Testimonials - NAMU® CUSTOMER REVIEW: Don, Certified Master Mortgage Underwriter (NAMU®-CMMU)® NAMU® CUSTOMER REVIEW: Don, Certified Master Mortgage Underwriter (NAMU®-CMMU)® https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1778514757784-LWZY4M7NQOQANN5BU0LR/image-asset.jpeg NAMU® Customer Reviews & Testimonials - NAMU® CUSTOMER REVIEW: Nancy, Jacksonville, FL - Certified Master Mortgage Underwriter (NAMU®-CMMU)® NAMU® CUSTOMER REVIEW: Nancy, Jacksonville, FL - Certified Master Mortgage Underwriter (NAMU®-CMMU)® https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1778515666397-RAQ6SA7NJIB67IT8AX62/image-asset.jpeg NAMU® Customer Reviews & Testimonials - NAMU® CUSTOMER REVIEW: Rachel, Palm Bay, FL - Certified Master Mortgage Underwriter (NAMU®-CMMU)® NAMU® CUSTOMER REVIEW: Rachel, Palm Bay, FL - Certified Master Mortgage Underwriter (NAMU®-CMMU)® Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences. The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The National Association of Mortgage Underwriters (NAMU) is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing. https://www.mortgage-underwriters.org/ask-the-instructor-videos daily 0.75 2021-11-04 https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1634689411589-5ACXQ5YJ0XWX4PS105DX/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How many months of bank statements are required for a FNMA/DU approved loan? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1634689411589-5ACXQ5YJ0XWX4PS105DX/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How many months of bank statements are required for a FNMA/DU approved loan? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1634692529115-N373OEI0HIODNTL8B904/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: The borrower is starting a new job until after the closing date, what are Fannie Mae's..... https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1634692764812-NDLSOSMC3TA7097FXPG3/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How many months of child support income must be verified for it to be considered stable by Fannie Mae? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1634692907957-JTI8N2BVP4J7JTA5E917/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can income from foreign sources be used to qualify a borrower? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1633471710818-GHJM6NNSCYXGPZFH4TRT/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can we gross up Non-taxable income on an FHA loan? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1633471955995-MOYQ1ZLEESRIBS4LAEWL/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Are individuals with a DACA eligible for an FHA mortgage? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1633472609824-BGUYZ7CMGGI3L44KL3BD/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can a student loan payment on the credit report be used for qualifying if it appears to be fully amortizing on an FHA Mortgage? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1633480265167-Y7PA8UWFW9LQ3R9FYS3K/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are VA guidelines on Gift Funds? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1633481748218-2RMKQSO0UCS1OMFI13GQ/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Do we have a process to get condo projects approved for VA loans? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1632275357230-WC4XQW96LY8DDWQU85NB/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the definition of domestic partner for FHA gift purposes? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1632275611104-ZG430481JQ0S6Y21T6SM/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How do we document FHA gift donor ability and receipt of funds? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1632276165398-6UPSXD38UJ1CFWQ2DKVW/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How does FHA treat 30 day accounts? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1632276310420-WRDP49GC5PVC0MK8MLXO/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: When do we need a chapter 13 bankruptcy history for an FHA borrower? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1632276564869-A8E7J0ZTHFI3Z706SUA0/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: My FHA borrower started a new job over a year ago and now receives bonus & overtime income. Can we use it to qualify even though we do not have a two year history? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1631048693684-8YRLUDH4EH568MD3Q2MW/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is Homeowners Association (HOA) Dues? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1631048922351-072WBLKN0V78TXW3IWYI/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How is the loan to value calculated on a purchase when the appraisal comes in low? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1631049273933-NZDH088AX90EBZAJCA6G/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: When can the loan funds be disbursed/funded? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1631049558268-JWQJ88CU0KFZQ1UXEN9Z/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: When can mortgage notes payable less than 1 year be added back to the self employment income calculation? 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https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1628632821766-1XUTSPLGROG22M11W185/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is required if self-employed income is not supported by year to date or prior year(s) income? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1628633217745-NPKW22L5VADFGQ5A394Y/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: If tax returns have recently been filed but not accepted by the IRS, what can be provided in lieu of tax transcripts? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1627415372852-M1ZZ7MLNLSJBUQU4A0AI/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is required for a W2 employee who has variable income? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1627416312934-96NSV0RANR4RU1NP5BVL/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is required for a mortgage not showing on the credit report? 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https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1626201130798-4QKJQAGQPULSCYJ77ZBO/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is required for pension income? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1626201299202-X5YSYSG743FMQZRM2QUG/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: When can Social Security Income or Pension Income be grossed up? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1626201722658-QYJERA8818UY1PMO2NHS/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: When can spousal support, separate maintenance, or child support income be used? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1626201886718-X04SMLFPH2ITQ70B5FI9/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What date must the customer occupy the subject property for a primary residence purchase? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1624992194321-B1P1M5SLXEKMSH5QNS0L/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is required for Required Minimum Distribution from a retirement asset? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1624992537920-A4VZED508KJSRQ3J4S3U/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is required to use distribution from a Retirement Account as income? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1624992744898-5RB60RSO4J9H9UGPCOR2/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is required when using Employment-Related Assets as income? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1624993063362-6IIU8XZQBR2JF06577K0/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is required when a self-employed customer has a change in tax return filing type? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1624993156828-G06IEZ3QYZ8Y3UQFQ3LC/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can debts other than the 1st mortgage be paid off on a limited cash out refinance? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1623801343867-115C7KABCQ2MTDCZN155/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are at least three (3) types of ancillary income for a mortgage servicer? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1623801497200-J3PFJWKMOIF1PH7C9HX9/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are the benefits of quality control for a servicer? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1623804739951-LUKYBH0QNYLI8MPRE43T/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is a Chapter 13 Bankruptcy? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1623804831573-UM9E9CL4Q5B85RS1ORDQ/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is a non-judicial foreclosure? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1623805000388-5A31W5TBXANMOWNA5L59/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the Servicemembers Civil Rights Act? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1622576614346-SQR2MYSVK53G30MKH4DT/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is an Actual/Actual remittance type? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1622576716235-61SSETBZPCHXKKAXCSCM/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What happens to the value of a servicing portfolio when interest rates decline? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1622576821197-C3P52YNLM0HYG2S7SWGS/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the difference between a servicer and a sub servicer? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1622576917050-656KDT665B9UX1EPRC72/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is pre-payment risk? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1622576996076-3LR22V779KX0NCRQCQDZ/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is float income for a mortgage servicer? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1621364643313-66JXFBKW9RBVP947KQIM/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can I use my borrower's IRA distributions as qualifying income? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1621364742641-9A7F2G39J9WW5MAR5K8I/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Do Conventional Mortgages allow for non-retirement savings account assets to be used as a qualifying income source? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1621364846695-Y1QWJZZKHF20L98D3AHL/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: You are needing additional income from your borrower's employment to qualify and see that they have been receiving overtime for the past 15 months. Can you use this income to qualify? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1621365049914-ALIY9BA9PBFQGIBUMGU4/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How many active FHA loans can a borrower have at one time? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1621365181203-W1ZMJME1K18805U4WJLB/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: On a refinance transaction, you obtain a payoff demand. What does this document show you? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1620155691410-3SA6CXOPK2H4E5VTVZTF/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: On an FHA loan, if the borrower wants to exclude a monthly debt that has less than 10 mo. payments remaining, what are the requirements that must be met to exclude this payment from qualifying? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1620156327326-KXWEAYFL8QJG166JZO8G/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: The subject property is part of a Condominium project. Are there any special insurance requirements around this and what are they? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1620156460942-Y65301BZJ3XFMGZ0Z2Y1/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: In documenting your borrower's employment history, what does Fannie Mae consider as “sufficient employment history”? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1620156589534-TMDW2YOLF59NLY0HEB1Y/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: If you are closing a loan in the name of a Trust, what requirements must be met? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1620156843907-ZXR2TN9ECZQ3QVA4BNLO/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: If a currently vested title holder has passed away, what documentation is required to remove them from title? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1618954083678-YI2NEDYRD4PEHTRA2BBY/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are the conditions under which a mortgagor may request termination of mortgage insurance? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1618954161928-BV8J6C7V0WX0THSILAHN/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are the 3 primary sources of income for a servicer? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1618954446641-H857WD41BWVVWKVHLG07/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are the names of the legal documents required to secure the home as collateral? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1618954657764-NBAFXTZQ6522UN6X5YK6/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is a primary benefit of Secondary Market for residential loans? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1618954755450-Z6RV61UOIMII648K1WIB/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What agency was created in 2010 to centralize federal financial law & protections? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1617743070478-0ZSSUT0JHLG0MVYZI6G7/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: When rental income is not being used to qualify on a conventional loan, is the single-family rent comparable schedule (form 1007) required? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1617743409328-WRGCYSKROT6BCTLL5NN8/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the maximum LTV requirements for attached condo units in Florida? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1617743870204-GIZ1PLSRGXJRPEVC45WD/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the maximum percentage non-taxable income can be grossed up on a Conventional, FHA, VA and on a USDA loan? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1617744067530-SB19AS798O0YLWM8NKIT/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How is a thirty-day (30) open account treated on a Conventional loan? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1617744277412-Q2S6N8YCPL3SHW9ISUES/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is considered a large deposit on an FHA loan? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1616534541333-QCYHYRK4CRSK5A0WFHXU/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Are there underwriting guidelines for borrowers that were in Forbearance due a major disaster? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1616534995171-PM9OI0W7SFMFCXUNBIXS/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can a borrower use foreign sources to help establish the credit, including the nontraditional credit, of a borrower? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1616535576456-43C4HG1EONFEP4C28SU5/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How are disputed credit accounts considered for manually underwritten loans? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1616535900198-2IBZT19KUXLN55XAB3GU/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Is a verification of rent or mortgage required? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1616536167534-FTR6ZXSI6FQXY8J94XE4/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Does FHA require collections to be paid off for a borrower to be eligible for FHA financing? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1615825180495-OGPQQDJ8PPNA782NS2V2/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are the 5 C’s of Underwriting? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1615320349659-UCH5QP738Q67R7C1HVHG/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are the Steps of Origination? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1615320424681-MNX2D2Z5B8ZTJ185E8K8/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can you name at least 4 documents collected by processing? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1615320527274-9YD9C3OJMXNF0BLV6BLT/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is mortgage insurance? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1615320640895-ZOZZH9HK3K1XGR1O6AES/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the difference between the Primary and Secondary Markets? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1614117930797-ADXTA0RDGUK7H33HBFIL/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: When pricing a loan, what is basis points? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1614118042520-FC2KMUK92A6J3SN8LOIL/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: On a purchase transaction, what is earnest money? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1614118242935-H8ADD5V6MY7HX3A9S9ZX/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: When is a Verbal VOE and a Written VOE needed on a loan? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1614118557928-FJETEREVKAN52TJD43IV/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the difference between a refinance and a streamline refinance? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1614118726654-R0EKEH87776NPLXA38GE/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is a credit refresh, and when is it required? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1612906142161-NX0CC813ZNRU742CK509/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: A borrower has an employment contract. It will not start until after the loan closes. Can you use that future income for qualification? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1612906431184-J3Q19XRD9MPBXKTPHYOG/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can a non-permanent resident alien, such as someone with a DACA visa, get a mortgage? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1612906546382-5WBFFSKZDF9XK6TBSDP5/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: If a borrower is using a co-signer to help qualify on a mortgage, does the borrower have specific housing and debt ratio requirements? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1612909661461-ZZ0MY71KWLJ1Y3GF0UP3/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can a borrower use IRA distribution that is about to start as income? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1612909757612-ESHPP7W1KWL2Y3E9ZQ20/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Do Fannie Mae and Freddie Mac offer a help line for questions regarding underwriting and guidelines? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1611697647159-T1AJ90GHMS59585F8BD9/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are the three Government Sponsored Entities, also knows as GSE's? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1611698268788-5URZZ7Q4A26H0R6CM1YM/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is mortgage insurance and when is it required? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1611698845271-QUGKFUVDRLXANIWBB2L7/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What role do state regulators play in the servicing of a loan? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1611699074326-ZPMKABEZPGEZX0VU37N4/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the electronic funds transfer act and what does it cover? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1615320253188-0E1NSDUVK8G78WAJH97U/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VDEO: What are the 5 C's of Underwriting? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1611699253834-FAL36ZU3UP7HN8MNDSJN/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is UDAAP and what does it encompass? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1610490782353-2O4ATBFALOJJQAVO6K0K/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: For Fannie Mae HomeReady, what type of education course needs to be taken? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1610490907914-D15BCTLEY0I9R4YCUYB9/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can a borrower use rental income on the rental property they are buying to offset the payment? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1610491137898-Y6JL4T934UMKYPQIAR1C/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: For Freddie Mac, is there a limit on what needs to be verified for deposits made by the borrower? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1610491424567-BL5RA3L4RJW20LJH51A0/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can you use Fannie's Collateral Underwriter or Freddie's Loan Collateral Advisor to determine if an appraised value is or is not acceptable? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1610491599740-JFHM9G4AO68QQG221D7D/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: A borrower is working at a job that pays hourly. He starts a new job at a very high-end restaurant that more than doubles his income, but the income is all from tips. Can that income be used... https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1609281017653-UBIFQA0FKBDK7XBBOMSW/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can I proceed if my Borrower's paystub indicate a temporary leave of absence? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1609281129970-LRXQT3N9UI6YNX2TB737/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How can I tell if I can use child support payments to qualify and how do I document this? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1609281372362-UZZF86I6P64JMBMFMIO6/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is non-traditional credit and how is it documented? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1609281546596-UIDRX938P0E485BLTXVZ/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What must the condominium master policy include? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1609281892301-ZMRX48FDXWRI6ETBEKCI/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: When can debt paid by others be excluded from debt to income ratio? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1608069924805-5KRINTARJFJ9O26MYSTQ/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What federal act created the Consumer Financial Protection Bureau? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1608070181093-Q8H08PW4PCE8JPK6P1GX/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What regulatory agency is primarily responsible for oversight of mortgage servicing? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1608070475575-VJVYVO49AN9ODR8RJX30/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are 3 of the key servicing tasks? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1608070581099-3VXS6GPE6B5EA82T4GJ4/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What function within a servicer remits principal and interest collections to the investor? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1608070747577-M72L166BCOISEABSMTB6/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is required of a servicer to resolve errors in the administration of the loan? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1606859370278-FMRNAL27M0SFVKGXE4XT/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Are two months PITI reserves always required when the loan needs PMI? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1606859572108-M5OYE9DHZZV2EII04RY2/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can farm income that is secondary in nature be excluded from DTI calculations? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1615583827822-03NJX0UUIG6JSU6D1CM9/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are the 5 C’s of Underwriting? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1606859699517-5G3FO5RPLIC813BFTKP2/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How can you determine if an installment debt can be excluded from DTI calculations? Is the same true for revolving debt? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1606859913932-MJYY4IXJ1IDCKGKMX4CZ/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Do higher priced mortgage loans always require a full appraisal and escrows? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1606860116328-GZDHDMUOWTS0MUEEQLSG/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is a quick, liquidity ratio? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1605651188688-7LN6TB59Z5E5GXVRK4NK/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What documents are required when the borrower is a non-resident borrower? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1605651296596-NCLD9DEX1T7HULIX9TQT/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the maximum cash out allowed on a rate and term refinance? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1605651436845-28M91BYVUUNULF7LNAHE/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is a Texas A6 refinance? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1605651681201-4J0A22DT79ZYNBAXRFO4/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are capital gains and how many years of tax returns are required to calculate capital gains income? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1605652031567-R4EXA1K3QWUWTM2UPID9/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are mortgage notes payable and how do they affect self-employed income? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1604439410180-14YFNREURX4D77DP9WGB/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is a Schedule E? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1604439548420-YJPUY3W5456ZMQ1PHRYE/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: When would you condition for a Form 1004D? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1604439626789-S97Q0WX0FZ078M9NZS2N/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the maximum gross adjustment allowed on an appraisal? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1604442442857-V3MSVJABXBH6VRSW2MI8/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is a subordination agreement and when is it required? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1604441147015-W6OQK3DI464Z5HWV08V6/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are the maximum number of financed properties allowed? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1603229406715-EWCQLR457X0XCVOH4B7R/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is needed to document and source gift funds? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1603229737338-2WWR16KC7C7FPUPNNKO0/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How long is a 1004 appraisal good for before requiring an update? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1603229843571-ML28GZ66S30TOAVLFHTG/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: If the borrower does not agree with the valuation of their property, is there anything they can do about it? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1603230515072-CCK1BBY54A4AOE5CZ4CM/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: When is evidence of completion of Homeownership or Housing Counseling required? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1603230631319-FWOD3N9QXRALGSICSBR4/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: If your borrower is using income from alimony/child support to qualify, what do you need to document this? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1615584320721-GEZWE9UA9KFJVHB702UB/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are the 5 C’s of Underwriting? ABOUT THIS FREE MORTGAGE TRAINING VIDEO: What are the 5 C’s of Underwriting? ABOUT CAMPUSMORTGAGE: We offer instructor-led online mortgage training classes to students nationwide. Learn mortgage processing, underwriting, compliance, servicing, QC & more! Visit: www.CampusMortgage.org VIDEO CREATION DATE: October 14, 2020 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. Copyright 2021 CampusMortgage. All Rights Reserved. https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1602019958286-PA5DOJL7P60WKVARVNF1/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Why do credit inquiries found on the credit report matter and why do they need explaining? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1602020183095-G1U6LJNA76XPYLG93XF7/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the definition of the self-employed borrower and what are the types of business structures? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1602020320948-BRWPEPPJLJEAAL39DXVY/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is needed when your borrower is employed by family? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1602020647129-L0KZR70EOW1D5PL8ZWDA/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What are the requirements when using an employment offer for qualifying income? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1600809079993-ZIRIXOXOCNRLSY26VTMM/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the maximum number of units allowable for a residential property using conventional financing? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1600809207568-KOI0OSE9F4XCFVKOPJIV/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Is a houseboat an eligible property type for Conventional or FHA financing? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1600809444008-GL6H0XKHO4J5APL38Z1C/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Some conventional mortgage loans require additional insurance, called Mortgage Insurance. At what Loan-to-Value would this additional Mortgage Insurance (MI) be required? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1600809621051-OVHJ316DV58ZJHQ5VZ2Y/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the industry standard for the minimum amount of documented employment history a borrower is required to have to qualify for financing? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1600809813673-VD1Z3OTFCELQY0IJU4XX/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the time period a borrower must wait after the completion of a foreclosure before being allowed to close a new loan transaction? We will assume there were no extenuating circumstances. https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1599600560896-HBH3EUILE1AI1TRFUFM9/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What is the VA guideline for counting student loan payments? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1599600690810-L0H4ODI85IG1357IIGGX/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can gift funds be used for down payment on a Conventional or FHA loan? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1599600773738-K550ABHGJSJ16HNRA9T9/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How do you determine the recoupment period for VA IRRRL loans? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1599600952061-CFOW9PF8F5HG1XWD99WR/image-asset.jpeg FREE Mortgage Training Classes - "Ask the 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Training Classes - "Ask the Instructor" Videos - VIDEO: Do I need to have the appraisal include rental market analysis, if no..... https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1585077469577-252VTZO64PYN6V970PFD/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Do I need to include the rental income/loss on an investment property..... https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1585077588929-OVD2UOCTZA452O3MIBY4/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: When is it acceptable to ignore a clarification requirement on AUS for..... https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1585077715624-EKFG8QJH67NJMWJE3KMH/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can a Power of Attorney be used for loan closing documents? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1583879597273-POVPW3RBNH515HU91WF5/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What does "Fee Simple" title mean? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1583879687925-E2D0W973G4K9VZH57W5L/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: How do Homestead Exemptions work? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1583879837724-3OJQFUPJARV68WITS17U/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: What does it mean when there's a "cloud" on title? https://images.squarespace-cdn.com/content/v1/55102289e4b0299913bf01dd/1583880058604-1CEBGBVDNZFGJA6BJ3Q7/image-asset.jpeg FREE Mortgage Training Classes - "Ask the Instructor" Videos - VIDEO: Can a borrower really "skip" payments on a refinance? 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https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/2/17/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 monthly 0.5 2026-02-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/2/17/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 monthly 0.5 2026-02-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/2/3/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 monthly 0.5 2026-02-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/2/3/the-borrower-applies-for-an-fha-loan-and-plans-to-qualify-using-monthly-retirement-distributions-from-a-401k-and-social-security-benefits-how-does-the-underwriter-evaluate-retirement-income monthly 0.5 2026-02-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/2/3/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 monthly 0.5 2026-02-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/2/3/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 monthly 0.5 2026-02-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/2/3/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 monthly 0.5 2026-02-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/1/20/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 monthly 0.5 2026-01-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/1/20/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 monthly 0.5 2026-01-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/1/20/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 monthly 0.5 2026-01-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/1/20/the-borrower-applies-for-an-fha-purchase-loan-and-the-credit-report-shows-18000-in-medical-collections-from-2023-but-all-other-accounts-are-current-must-they-be-paid monthly 0.5 2026-01-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/1/20/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 monthly 0.5 2026-01-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/1/6/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 monthly 0.5 2026-01-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/1/6/the-borrower-applies-for-an-fha-loan-with-a-35-down-payment-and-shows-85000-in-savings-the-underwriter-notices-several-recent-large-deposits-how-is-this-evaluated monthly 0.5 2026-01-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/1/6/the-borrower-has-a-4552-dti-he-has-120000-in-a-401k-and-asks-if-it-can-help-offset-the-high-ratios-how-does-the-underwriter-evaluate-this-fha-loan monthly 0.5 2026-01-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/1/6/the-borrower-applies-for-an-fha-loan-with-proposed-pitia-hoa-of-2450-and-gross-income-of-6000-41-pushing-ratios-high-how-is-this-evaluated monthly 0.5 2026-01-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2026/1/6/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 monthly 0.5 2026-01-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/12/23/the-borrower-applies-for-a-fannie-mae-loan-and-is-self-employed-with-strong-gross-income-but-unusually-high-business-expenses-shown-on-recent-tax-returns-how-does-the-underwriter-evaluate-this monthly 0.5 2025-12-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/12/23/the-borrower-applies-for-an-fha-loan-and-relies-on-non-traditional-income-from-long-term-gig-work-and-recurring-cash-deposits-that-are-not-reflected-on-w-2s-how-does-the-underwriter monthly 0.5 2025-12-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/12/23/the-borrower-applies-for-an-fha-loan-on-a-single-family-home-where-the-appraisal-notes-peeling-paint-a-leaking-roof-section-and-inoperable-utilities-how-does-the-underwriter-address monthly 0.5 2025-12-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/12/23/the-borrower-applies-for-an-fha-loan-and-plans-to-use-large-gift-funds-from-a-family-member-to-cover-the-entire-down-payment-and-part-of-closing-costs-how-does-the-underwriter-evaluate-this monthly 0.5 2025-12-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/12/23/the-borrower-applies-for-a-usda-guaranteed-loan-to-purchase-a-rural-home-that-needs-minor-roof-and-gutter-repairs-the-seller-cannot-complete-the-work-before-closing-and-proposes-a-repair-escrow monthly 0.5 2025-12-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/12/9/the-borrower-applies-for-a-va-loan-to-purchase-a-home-with-leased-solar-panels-the-lease-transfers-with-the-property-and-monthly-payments-apply-how-does-the-underwriter-evaluate-this-scenario monthly 0.5 2025-12-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/12/9/the-borrower-applies-for-an-fha-loan-to-purchase-a-rural-home-with-a-private-septic-system-the-appraiser-notes-no-visible-issues-but-the-system-is-older-and-county-records-are-incomplete monthly 0.5 2025-12-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/12/9/the-borrower-applies-for-an-fha-loan-after-consolidating-several-credit-cards-into-a-new-personal-loan-last-month-his-credit-score-improve-slightly-but-repayment-history-is-limited-how-does-the monthly 0.5 2025-12-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/12/9/the-borrower-earns-a-60000-salary-plus-variable-annual-bonuses-her-latest-bonus-is-higher-than-last-year-but-she-has-only-18-months-of-bonus-history-how-does-the-underwriter-evaluate monthly 0.5 2025-12-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/12/9/the-borrower-applies-for-an-fha-loan-with-a-35-down-payment-on-a-350000-home-creating-a-high-ltv-his-credit-score-is-645-debt-ratios-are-borderline-and-reserves-are-limited-how-does-the monthly 0.5 2025-12-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/11/25/the-borrower-applies-for-a-va-loan-after-a-foreclosure-on-a-conventional-mortgage-four-years-ago-his-credit-has-improved-and-he-has-maintained-steady-employment-for-three-years-how-does monthly 0.5 2025-11-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/11/25/the-borrower-applies-for-an-fha-loan-to-purchase-a-townhome-with-monthly-hoa-fees-covering-maintenance-and-amenities-her-dti-is-borderline-and-the-hoa-dues-substantially-increase-the monthly 0.5 2025-11-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/11/25/the-borrower-applies-for-an-fha-loan-and-provides-two-months-of-statements-showing-enough-funds-for-the-35-down-payment-however-the-underwriter-notices-sporadic-deposits-and-periods-where monthly 0.5 2025-11-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/11/25/the-borrowers-ratios-fall-within-fhas-guidelines-but-the-underwriter-notes-that-his-remaining-monthly-residual-income-is-tight-after-accounting-for-childcare-costs-and-commuting-expenses monthly 0.5 2025-11-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/11/25/the-borrower-applies-for-a-fannie-mae-loan-and-adds-her-father-as-a-non-occupant-co-borrower-he-will-not-live-in-the-home-and-although-his-credit-is-strong-he-carries-high-personal-debts monthly 0.5 2025-11-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/11/11/the-borrower-applies-for-a-usda-loan-with-proposed-ratios-of-32-housing-and-45-total-debt-slightly-above-usda-standard-limits-how-does-the-underwriter-proceed monthly 0.5 2025-11-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/11/11/the-borrower-applies-for-an-fha-loan-after-switching-from-retail-management-to-pharmaceutical-sales-six-months-ago-earning-more-but-lacking-two-years-in-the-field-how-does-the-underwriter monthly 0.5 2025-11-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/11/11/the-borrower-applies-for-an-fha-loan-after-two-30-day-late-mortgage-payments-within-10-months-caused-by-job-loss-but-has-since-regained-employment-and-made-six-on-time-payments-how-does monthly 0.5 2025-11-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/11/11/the-borrower-applies-for-a-fannie-mae-loan-with-her-spouse-and-brother-who-will-occupy-the-home-their-credit-and-income-levels-differ-how-is-this-loan-reviewed monthly 0.5 2025-11-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/11/11/the-subject-property-includes-a-detached-guesthouse-and-workshop-in-good-condition-but-the-appraiser-questions-their-contributory-value-how-does-the-underwriter-assess-this-for-an-fha-loan monthly 0.5 2025-11-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/10/28/the-borrower-applies-for-a-freddie-mac-loan-and-receives-2000-per-month-in-social-security-disability-income-that-is-non-taxable-how-does-the-underwriter-determine-how-to-treat-this-income monthly 0.5 2025-10-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/10/28/the-borrower-applies-for-an-fha-loan-and-assumes-it-includes-private-mortgage-insurance-or-pmi-like-a-conventional-loan-how-does-the-underwriter-address-this-misunderstanding monthly 0.5 2025-10-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/10/28/the-borrower-applies-for-an-fha-loan-to-purchase-a-home-on-a-private-road-shared-by-four-owners-the-appraiser-notes-owner-maintenance-but-no-recorded-agreement-how-does-the-underwriter-handle-this monthly 0.5 2025-10-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/10/28/the-borrower-applies-for-a-fannie-mae-loan-and-deposits-25000-of-cash-savings-from-home-into-their-account-for-the-down-payment-how-does-the-underwriter-handle-this monthly 0.5 2025-10-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/10/28/the-borrower-applies-for-an-fha-loan-with-a-975-loan-to-value-ratio-a-645-credit-score-and-a-debt-to-income-ratio-near-the-program-limit-how-does-the-underwriter-evaluate-this-scenario monthly 0.5 2025-10-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/10/14/the-borrower-applies-for-an-fha-loan-and-plans-to-qualify-using-social-security-disability-income-ssdi-how-is-this-income-documented-and-assessed monthly 0.5 2025-10-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/10/14/the-borrower-applies-for-an-fha-loan-on-a-home-with-rooftop-solar-installed-two-years-ago-under-a-third-party-lease-how-are-leased-or-financed-solar-systems-treated-for-eligibility-and-ratios monthly 0.5 2025-10-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/10/14/the-borrower-applies-for-a-fannie-mae-loan-on-a-home-next-to-a-former-dry-cleaner-site-with-documented-soil-contamination-and-located-in-a-fema-special-flood-hazard-area-how-is-eligibility monthly 0.5 2025-10-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/10/14/the-borrower-applies-for-a-va-loan-with-a-2-1-temporary-buydown-funded-by-the-seller-what-must-underwriting-confirm-regarding-qualification-rate-concessions-and-buydown-custodial-funds monthly 0.5 2025-10-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/10/14/the-borrower-applies-for-an-fha-loan-after-a-four-month-layoff-and-started-a-new-job-eight-weeks-ago-in-the-same-field-how-is-this-temporary-gap-treated-for-qualification monthly 0.5 2025-10-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/30/the-borrower-applies-for-an-fha-loan-while-working-overseas-for-a-us-based-company-his-salary-is-paid-in-foreign-currency-but-deposited-into-a-us-bank-account-how-do-underwriters-assess monthly 0.5 2025-09-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/30/the-appraisal-on-the-subject-property-notes-unusually-high-landscaping-costs-including-retaining-walls-and-irrigation-systems-which-push-the-property-value-higher-than-comparable-homes monthly 0.5 2025-09-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/30/the-borrower-has-no-traditional-employer-and-earns-most-of-her-income-from-rideshare-driving-and-food-delivery-platforms-how-do-underwriters-assess-her-gig-economy-income-under-fha-guidelines monthly 0.5 2025-09-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/30/the-borrower-applies-for-an-fha-loan-after-receiving-a-recent-promotion-to-a-higher-paying-position-with-the-same-employer-how-do-underwriters-evaluate-this-situation monthly 0.5 2025-09-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/30/the-borrower-applies-for-a-fannie-mae-loan-to-purchase-a-condominium-in-a-development-where-residents-share-amenities-such-as-a-rooftop-deck-community-garden-and-parking-garage-how-do monthly 0.5 2025-09-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/16/the-borrower-plans-to-purchase-a-home-with-an-unconventional-layout-including-a-lofted-bedroom-without-a-door-and-a-kitchen-open-to-a-utility-area-how-do-underwriters-evaluate-this-fannie-mae-loan monthly 0.5 2025-09-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/16/the-borrower-has-several-60-day-delinquencies-on-installment-debt-within-the-past-12-months-how-do-underwriters-evaluate-this-credit-history-when-determining-fha-loan-eligibility monthly 0.5 2025-09-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/16/the-borrower-plans-to-use-subordinate-financing-from-a-city-housing-program-to-cover-part-of-the-purchase-price-what-is-the-vas-stance-on-loans-like-this monthly 0.5 2025-09-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/16/the-borrower-applies-for-a-loan-to-purchase-a-dome-shaped-home-with-unconventional-architecture-how-is-this-evaluated-under-fha-guidelines monthly 0.5 2025-09-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/16/the-borrower-receives-down-payment-assistance-from-a-state-housing-agency-what-considerations-must-the-underwriter-address-in-evaluating-this-fha-loan-2 monthly 0.5 2025-09-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/2/the-borrower-applies-for-a-va-loan-but-completed-a-short-sale-just-over-two-years-ago-how-do-underwriters-guide-borrowers-with-previous-short-sales monthly 0.5 2025-09-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/2/the-borrower-has-fluctuating-monthly-earnings-due-to-seasonal-work-and-variable-bonuses-how-do-underwriters-evaluate-inconsistent-income-for-freddie-mac-loans monthly 0.5 2025-09-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/2/the-borrower-applies-for-an-fha-loan-on-a-property-with-recently-installed-energy-efficient-upgrades-including-solar-panels-and-enhanced-insulation-how-do-underwriters-handle-this-scenario monthly 0.5 2025-09-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/2/the-subject-property-is-in-a-high-cost-area-where-the-value-exceeds-standard-fha-loan-limits-how-do-underwriters-assess-this-loan monthly 0.5 2025-09-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/9/2/the-borrower-reports-income-from-a-deferred-compensation-plan-that-is-scheduled-to-begin-within-the-next-60-days-how-do-underwriters-assess-this-for-fha-loans monthly 0.5 2025-09-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/8/19/the-borrower-earns-a-significant-portion-of-their-income-from-tips-received-as-a-restaurant-server-how-do-underwriters-evaluate-this-income-for-fha-qualifying-purposes monthly 0.5 2025-08-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/8/19/the-borrower-plans-to-use-distributions-from-an-inherited-retirement-account-as-income-how-do-underwriters-evaluate-this-income-source-for-fha-qualification monthly 0.5 2025-08-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/8/19/the-borrower-applies-for-a-usda-loan-on-a-property-that-has-visible-structural-issues-and-failed-portions-of-the-appraisal-how-do-underwriters-handle-this-case monthly 0.5 2025-08-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/8/19/the-borrower-applies-for-a-freddie-mac-loan-to-purchase-a-two-unit-property-intending-to-occupy-one-unit-and-rent-the-other-how-is-this-loan-evaluated monthly 0.5 2025-08-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/8/19/the-borrower-applies-for-a-loan-on-a-property-that-includes-a-detached-studio-rented-out-on-a-short-term-basis-how-is-this-evaluated-under-fha-guidelines monthly 0.5 2025-08-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/8/5/the-borrower-applies-for-a-loan-on-a-property-with-an-unpermitted-rear-addition-that-includes-a-bedroom-and-bathroom-how-is-this-evaluated-under-fha-guidelines monthly 0.5 2025-08-06 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/8/5/the-borrower-plans-to-purchase-a-single-family-home-located-within-a-designated-historic-district-how-is-this-property-evaluated-under-fannie-mae-guidelines monthly 0.5 2025-08-06 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/8/5/the-borrower-plans-to-purchase-a-home-while-supporting-a-household-of-seven-including-five-dependents-how-is-this-evaluated-under-va-guidelines monthly 0.5 2025-08-06 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/8/5/the-borrower-received-a-one-time-15000-bonus-earlier-in-the-year-which-significantly-inflated-their-year-to-date-income-how-is-this-bonus-treated-under-fha-guidelines monthly 0.5 2025-08-06 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/8/5/the-borrower-plans-to-purchase-a-condo-with-monthly-hoa-fees-of-600-how-are-high-hoa-fees-evaluated-under-fha-guidelines monthly 0.5 2025-08-06 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/7/22/the-borrower-applies-for-a-single-family-home-that-shares-a-septic-system-with-a-neighboring-property-how-is-this-evaluated-to-meet-fha-guidelines monthly 0.5 2025-07-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/7/22/the-borrower-applies-for-a-single-family-home-located-in-a-rural-area-with-limited-comparable-sales-and-private-well-and-septic-systems-how-is-this-evaluated-under-freddie-mac-guidelines monthly 0.5 2025-07-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/7/22/the-borrower-applies-for-a-loan-on-a-home-accessed-by-a-private-road-shared-with-several-neighboring-properties-how-is-the-private-road-agreement-evaluated-to-meet-fha-guidelines monthly 0.5 2025-07-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/7/22/the-borrower-has-a-monthly-housing-allowance-from-their-employer-as-part-of-their-compensation-how-is-this-allowance-evaluated-for-fha-loans monthly 0.5 2025-07-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/7/22/the-borrower-receives-residual-military-retirement-and-disability-benefits-as-primary-income-how-is-this-income-evaluated-under-va-guidelines monthly 0.5 2025-07-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/7/8/the-borrower-receives-1950-per-month-in-tax-free-va-disability-income-and-does-not-have-other-employment-how-will-this-income-be-documented-and-used-for-qualifying-for-va-loan monthly 0.5 2025-07-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/7/8/the-borrower-mentions-paying-600-monthly-for-childcare-while-working-full-time-how-should-the-underwriter-determine-if-this-expense-must-be-included-in-the-debt-to-income monthly 0.5 2025-07-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/7/8/the-borrower-will-be-using-a-5-down-payment-supplemented-by-a-subordinate-lien-from-a-local-housing-agency-the-first-mortgage-meets-standard-ltv-guidelines-but-how-must-the-underwriter monthly 0.5 2025-07-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/7/8/the-borrower-provides-bank-statements-with-a-recent-7500-deposit-unrelated-to-payroll-will-this-large-deposit-affect-asset-eligibility-for-fha-loans monthly 0.5 2025-07-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/7/8/the-borrower-carries-20000-in-revolving-credit-card-debt-resulting-in-minimum-payments-of-750-per-month-how-can-the-borrower-qualify-for-fha-loan-given-the-high-debt-load monthly 0.5 2025-07-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/6/24/the-borrower-applies-for-a-va-loan-and-reports-income-from-a-seasonal-job-held-annually-for-the-past-three-years-how-should-this-income-be-handled-in-underwriting monthly 0.5 2025-06-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/6/24/the-borrower-applies-for-an-fha-loan-to-purchase-a-home-with-leased-solar-panels-what-must-be-evaluated-during-underwriting monthly 0.5 2025-06-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/6/24/the-borrower-applies-for-an-fha-loan-and-receives-a-gift-from-a-parent-to-cover-the-entire-35-down-payment-how-should-this-be-handled monthly 0.5 2025-06-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/6/24/the-borrower-applies-for-an-fha-loan-with-a-housing-to-income-ratio-of-38-exceeding-31-guideline-how-should-this-be-evaluated monthly 0.5 2025-06-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/6/24/the-borrower-applies-for-an-fha-loan-to-purchase-a-3-unit-property-and-plans-to-live-in-one-unit-while-renting-the-others-how-should-this-be-assessed monthly 0.5 2025-06-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/6/10/the-borrower-applies-for-a-loan-and-lists-8000-in-checking-and-savings-accounts-as-cash-reserves-how-are-these-validated-to-meet-usda-underwriting-requirements monthly 0.5 2025-06-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/6/10/the-borrower-applies-for-a-fannie-mae-loan-and-receives-non-taxable-income-from-va-disability-benefits-and-supplemental-security-income-ssi-how-is-this-income-evaluated-and-adjusted-to monthly 0.5 2025-06-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/6/10/the-borrower-applies-for-an-fha-loan-and-receives-monthly-pension-income-from-a-former-employer-as-their-primary-source-of-funds-how-is-pension-income-evaluated-to-meet-fha-guidelines monthly 0.5 2025-06-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/6/10/the-borrower-is-transitioning-to-a-new-job-in-the-same-field-and-scheduled-to-begin-employment-two-weeks-after-closing-how-is-future-income-evaluated-to-meet-fha-guidelines monthly 0.5 2025-06-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/6/10/the-borrower-applies-for-an-fha-loan-and-relies-on-long-term-disability-income-as-their-primary-source-of-earnings-how-is-this-income-evaluated-to-meet-fha-guidelines-for-stability-and-continuance monthly 0.5 2025-06-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/5/27/the-borrower-applies-for-a-loan-and-reports-rental-income-from-a-two-unit-property-where-they-will-occupy-one-unit-and-rent-the-other-how-is-this-evaluated-under-fha-guidelines monthly 0.5 2025-05-27 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/5/27/the-borrower-applies-for-a-freddie-mac-loan-and-has-been-self-employed-as-a-graphic-designer-for-three-years-reporting-fluctuating-income-how-is-self-employment-income-evaluated monthly 0.5 2025-05-27 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/5/27/the-borrower-applies-for-a-loan-with-a-non-occupant-co-signer-to-strengthen-income-qualifications-what-steps-are-taken-to-evaluate-the-co-signers-credit-income-and-role-under-fha-guidelines monthly 0.5 2025-05-27 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/5/27/the-borrower-with-variable-income-from-seasonal-landscaping-and-part-time-contract-work-applies-for-a-loan-how-is-this-evaluated-under-fannie-mae-guidelines monthly 0.5 2025-05-27 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/5/27/the-borrower-applies-for-a-loan-on-a-single-family-home-that-shares-a-private-well-and-septic-system-with-a-neighboring-property-what-steps-are-taken-to-evaluate-shared-utility-arrangements monthly 0.5 2025-05-27 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/5/13/the-borrower-applies-for-an-fha-loan-after-leaving-military-service-six-months-ago-and-starting-civilian-employment-what-documentation-and-compensating-factors-are-required-to-verify-income monthly 0.5 2025-05-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/5/13/the-borrower-applies-for-an-fha-203k-loan-to-purchase-and-renovate-a-50-year-old-home-requiring-a-new-roof-kitchen-remodel-and-hvac-replacement-how-are-renovation-costs-documented monthly 0.5 2025-05-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/5/13/the-borrower-applies-for-a-loan-relying-on-non-traditional-income-from-freelancing-on-upwork-and-rideshare-driving-what-documentation-and-guidance-can-the-originator-provide-to-support monthly 0.5 2025-05-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/5/13/the-borrower-applies-for-an-fha-loan-and-has-five-credit-inquiries-in-the-past-90-days-due-to-auto-and-personal-loan-shopping-how-does-fha-underwriting-treat-these-recent-inquiries-when monthly 0.5 2025-05-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/5/13/the-borrower-applies-for-an-fha-loan-with-200000-in-liquid-reserves-across-savings-and-investment-accounts-how-are-these-assets-documented-and-how-do-they-impact-loan-qualification monthly 0.5 2025-05-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/29/the-borrower-applies-for-a-va-loan-to-purchase-a-property-needing-a-new-roof-and-electrical-work-what-steps-are-required-for-underwriting-va-loans-for-alterations-and-repairs-including-appraisal monthly 0.5 2025-04-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/29/the-borrower-applies-for-an-fha-loan-with-income-that-fluctuates-due-to-commission-based-work-and-seasonal-bonuses-how-is-historical-income-averaged-and-validated-to-determine-qualifying-income monthly 0.5 2025-04-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/29/the-borrower-applies-for-an-fha-loan-on-a-property-that-includes-a-permitted-accessory-dwelling-unit-adu-with-separate-kitchen-and-entry-generating-rental-income-how-does-fha-evaluate monthly 0.5 2025-04-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/29/the-borrower-has-reliable-consistent-overtime-income-from-weekend-and-holiday-shifts-which-makes-up-15-of-their-gross-monthly-earnings-how-does-this-qualify-for-an-fha-loan monthly 0.5 2025-04-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/29/the-borrower-applies-for-a-loan-with-a-nonoccupant-coborrower-where-the-primary-borrowers-income-covers-75-of-the-payment-and-the-coborrowers-employment-income-accounts-for-the-remainder monthly 0.5 2025-04-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/14/the-borrower-has-income-that-primarily-comes-from-seasonal-landscaping-work-with-higher-earnings-in-the-spring-and-summer-and-lower-income-during-winter-how-does-the-underwriter-assess monthly 0.5 2025-04-14 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/14/how-does-the-underwriter-evaluate-a-loan-for-a-manufactured-home-on-private-land-featuring-a-certified-semi-permanent-foundation-and-approved-installation-in-compliance-with-fha-standards monthly 0.5 2025-04-14 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/14/the-borrower-has-high-student-loan-balances-and-with-significant-monthly-obligations-and-a-tight-budget-how-does-fannie-mae-evaluate-this-loan monthly 0.5 2025-04-14 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/14/how-does-the-underwriter-process-an-fha-loan-for-a-vintage-property-that-requires-essential-repairs-including-a-deteriorating-roof-and-outdated-electrical-wiring monthly 0.5 2025-04-14 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/14/how-does-the-underwriter-determine-repayment-income-for-usda-loans-when-the-borrower-relies-on-diverse-income-sources-such-as-crop-sales-part-time-employment-and-rental-income-from-adjacent-land monthly 0.5 2025-04-14 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/1/what-factors-should-underwriters-consider-when-assessing-usda-loan-eligibility monthly 0.5 2025-04-01 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/1/what-are-the-guidelines-for-underwriting-loans-for-self-employed-borrowers monthly 0.5 2025-04-01 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/1/an-fha-loan-file-shows-a-borrower-with-a-10000-gift-for-the-down-payment-and-closing-costs-has-a-gift-letter-but-no-documentation-of-the-donors-source-can-the-gift-funds-be-used-and-what-is monthly 0.5 2025-04-01 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/1/the-borrower-has-a-620-credit-score-49-dti-35-down-stable-job-history-and-no-recent-late-payments-aus-returned-a-refer-what-compensating-factors-are-required-for-fha-loans-if monthly 0.5 2025-04-01 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/4/1/the-borrower-with-a-chapter-7-discharged-24-months-ago-has-two-on-time-tradelines-stable-employment-a-624-credit-score-45-dti-and-35-down-does-this-loan-meet-fha-post-bankruptcy-guidelines monthly 0.5 2025-04-01 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/3/18/the-borrower-reported-3000month-rental-income-from-a-duplex-but-tax-returns-show-2400month-how-should-rental-income-be-verified-per-fannie-mae-guidelines monthly 0.5 2025-03-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/3/18/a-va-joint-loan-was-submitted-by-two-eligible-borrowers-who-plan-to-combine-their-entitlements-to-secure-a-higher-loan-amount-than-a-single-entitlement-would-allow-how-should-the-underwriter monthly 0.5 2025-03-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/3/18/the-borrower-is-purchasing-a-single-family-home-located-in-a-designated-flood-zone-how-should-the-underwriter-handle-this-application-to-ensure-compliance-with-fha-guidelines monthly 0.5 2025-03-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/3/18/the-borrower-has-a-50-dti-from-high-monthly-obligations-such-as-car-and-student-loans-but-with-stable-employment-and-a-solid-credit-history-how-should-this-be-evaluated-per-fha-guidelines monthly 0.5 2025-03-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/3/18/the-borrower-has-no-credit-card-or-auto-loan-history-but-a-strong-record-of-on-time-rent-utility-and-phone-payments-how-should-non-traditional-credit-be-evaluated-for-fha-creditworthiness monthly 0.5 2025-03-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/3/4/what-criteria-do-underwriters-use-to-evaluate-mortgage-loans-for-freddie-mac-eligibility monthly 0.5 2025-03-04 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/3/4/what-income-verification-is-required-for-fha-loans monthly 0.5 2025-03-04 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/3/4/how-do-underwriters-calculate-fha-loan-to-value-ltv-ratios monthly 0.5 2025-03-04 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/3/4/what-are-the-fha-requirements-for-borrower-credit-history monthly 0.5 2025-03-04 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/3/4/how-does-fannie-mae-address-loan-eligibility-for-borrowers-with-high-debt-to-income-dti-ratios monthly 0.5 2025-03-04 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/2/11/when-the-appraisal-came-in-it-shows-that-the-home-is-on-the-historic-registry-can-we-lend-on-this-property monthly 0.5 2025-02-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/2/11/the-self-employed-borrower-has-a-commercial-business-loan-showing-on-their-credit-report-can-that-be-excluded-as-a-business-paid-debt monthly 0.5 2025-02-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/2/11/the-appraisal-indicates-that-the-property-has-solar-panels-but-did-not-adjust-for-them-on-the-comparable-grid-should-the-omission-be-corrected monthly 0.5 2025-02-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/2/11/the-appraisal-shows-that-the-property-was-built-in-the-1970s-and-was-never-updated-it-still-has-the-original-green-shag-carpeting-gold-appliances-and-a-sunken-living-room-what-considerations monthly 0.5 2025-02-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/2/11/we-are-doing-a-fannie-mae-loan-for-the-purchase-the-borrower-is-buying-his-parents-home-and-wants-to-give-them-a-power-of-attorney-since-he-will-be-out-of-the-country monthly 0.5 2025-02-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/1/28/the-appraisal-indicates-that-the-home-is-currently-listed-for-sale-on-a-refinance-what-documentation-is-required-to-proceed monthly 0.5 2025-01-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/1/28/can-authorized-user-credit-tradelines-be-used-for-qualifying-on-fannie-mae-loans monthly 0.5 2025-01-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/1/28/is-the-housing-choice-voucher-program-also-known-as-section-8-acceptable-for-use-in-qualifying-for-a-fannie-mae-loan-if-so-what-must-be-provided monthly 0.5 2025-01-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/1/28/can-restricted-stock-income-be-used-for-qualifying-on-a-fannie-mae-loan-if-so-what-is-required-to-be-verified monthly 0.5 2025-01-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/1/28/what-is-required-when-a-borrowers-credit-report-reflect-credit-inquiries-within-the-past-60-days-on-an-agency-loan monthly 0.5 2025-01-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/1/14/what-is-a-power-of-attorney-and-when-can-it-be-used-on-an-agency-loan monthly 0.5 2025-01-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/1/14/how-is-the-hcltv-home-equity-combined-loan-to-value-ratio-calculated-on-agency-loans monthly 0.5 2025-01-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/1/14/when-is-a-non-occupant-co-borrower-guarantor-or-co-signer-permitted-for-fannie-mae-loans monthly 0.5 2025-01-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/1/14/what-is-required-when-the-subject-property-consists-of-more-than-one-parcel-of-real-estate monthly 0.5 2025-01-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2025/1/14/what-are-the-two-components-that-the-borrowers-debt-to-income-ratio-consists-of-and-what-is-included-in-each monthly 0.5 2025-01-14 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/30/how-do-you-calculate-va-guaranty-and-entitlement monthly 0.5 2024-12-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/30/can-a-seasonal-workers-income-be-used-to-qualify-for-a-mortgage monthly 0.5 2024-12-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/30/a-borrower-works-for-a-small-family-owned-business-that-issues-handwritten-paystubs-will-the-voe-from-the-employer-suffice-to-verify-income monthly 0.5 2024-12-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/30/a-self-employed-borrower-has-a-five-year-business-history-and-two-years-of-tax-returns-will-additional-income-documentation-be-needed-for-this-file-1 monthly 0.5 2024-12-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/30/there-is-a-full-verification-of-employment-in-the-file-is-any-other-documentation-of-income-needed monthly 0.5 2024-12-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/17/when-the-subject-property-has-solar-panels-what-factors-must-be-considered-by-the-underwriter monthly 0.5 2024-12-17 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/17/what-must-be-provided-for-royalty-payment-income-to-be-used-for-qualifying monthly 0.5 2024-12-17 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/17/can-interest-and-dividends-income-be-used-for-qualifying-on-agency-loans-and-if-so-how-is-it-calculated monthly 0.5 2024-12-17 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/17/when-a-borrower-is-divorced-what-must-the-lender-obtain-from-the-borrower-and-what-obligations-must-be-included-in-the-debt-to-income-ratio monthly 0.5 2024-12-17 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/17/can-retirement-accounts-be-used-for-assets-on-an-agency-loan-if-so-what-percentage-of-the-account-can-be-used-for-qualifying monthly 0.5 2024-12-17 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/3/on-a-fannie-mae-loan-what-must-be-done-to-rectify-disputed-accounts-on-a-borrowers-credit-report monthly 0.5 2024-12-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/3/what-are-some-valid-instances-where-loans-can-be-prepared-as-a-limited-cash-out-refinance monthly 0.5 2024-12-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/3/is-it-acceptable-to-have-the-title-for-the-subject-property-vested-in-an-inter-vivos-revocable-trust-if-so-what-is-required-for-the-underwriter-to-condition-for monthly 0.5 2024-12-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/3/non-qm-loans-offer-some-flexibilities-as-far-as-documentation-is-concerned-but-they-must-still-have-sufficient-documents-to-support-the-loan-what-documents-are-still-required-to-be-supplied monthly 0.5 2024-12-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/12/3/while-non-qm-loans-offer-some-flexibilities-are-they-still-subject-to-the-ability-to-repay-requirements monthly 0.5 2024-12-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/11/19/are-the-appraisal-requirements-for-jumbo-loans-the-same-as-the-requirements-for-non-conforming-loan-appraisals monthly 0.5 2024-11-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/11/19/on-a-jumbo-loan-if-you-have-2-appraisals-required-which-value-will-be-used-to-determine-the-ltv-will-it-be-the-higher-or-lower-value-should-they-differ monthly 0.5 2024-11-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/11/19/when-processing-a-jumbo-loan-there-were-repairs-required-and-updates-needed-to-the-initial-appraisal-what-form-should-the-processor-be-looking-for-to-reflect-the-changes monthly 0.5 2024-11-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/11/19/when-processing-it-is-noticed-that-the-interest-rates-for-jumbonon-conforming-loans-seem-to-be-a-bit-higher-than-conforming-rates-why-is-this-so monthly 0.5 2024-11-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/11/19/the-appraisal-in-file-is-more-than-4-months-old-does-a-new-appraisal-need-to-be-ordered monthly 0.5 2024-11-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/11/5/if-a-child-support-court-order-shows-that-the-support-ends-when-the-child-turns-21-and-the-child-is-20-years-old-at-application-can-the-borrower-use-this-income-to-qualify monthly 0.5 2024-11-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/11/5/when-a-borrower-lives-in-a-pud-and-has-hoa-dues-do-the-dues-need-to-be-added-in-the-borrowers-monthly-debt monthly 0.5 2024-11-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/11/5/is-a-borrowers-30-day-account-included-in-ratios-on-a-fannie-mae-loan-if-so-what-does-the-borrower-need-to-offset-the-30-day-account monthly 0.5 2024-11-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/11/5/if-a-borrower-has-a-judgment-on-their-credit-does-this-judgment-need-to-be-satisfied monthly 0.5 2024-11-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/11/5/on-an-fha-loan-do-collection-accounts-need-to-be-included-in-the-debt-to-income-ratios-if-they-total-500 monthly 0.5 2024-11-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/10/22/on-a-fannie-mae-loan-where-the-borrower-has-a-primary-job-but-also-has-a-side-job-in-which-they-are-self-employed-can-this-income-be-used-for-qualifying-what-does-the-underwriter monthly 0.5 2024-10-22 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/10/22/how-does-an-underwriter-calculate-rental-income-from-a-borrowers-existing-investment-property-for-an-agency-loan-what-expense-items-are-allowed-to-be-added-back-to-the-income monthly 0.5 2024-10-22 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/10/22/what-items-would-an-underwriter-need-to-request-when-the-subject-property-that-a-borrower-is-purchasing-is-a-new-construction-home monthly 0.5 2024-10-22 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/10/22/if-a-borrower-is-starting-a-new-job-with-a-new-employer-after-the-application-date-can-the-income-be-included-on-a-fannie-mae-loan-if-so-what-documentation-must-be-obtained-by-the-lender monthly 0.5 2024-10-22 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/10/22/what-is-required-for-an-underwriter-to-include-for-a-fannie-mae-loan-if-the-borrower-has-paid-overtime-and-how-should-it-be-calculated monthly 0.5 2024-10-22 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/10/8/what-are-the-major-differences-between-fannie-mae-and-freddie-mac-guidelines-for-student-loan-payments monthly 0.5 2024-10-08 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/10/8/what-is-required-to-verify-employment-and-income-on-an-agency-loan-for-a-borrower-that-is-a-union-worker monthly 0.5 2024-10-08 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/10/8/can-a-borrower-use-a-401k-loan-as-assets-towards-funds-for-closing-on-an-agency-loan-if-so-what-should-the-asset-be-listed-as-and-what-documentation-does-the-underwriter-need-to-request monthly 0.5 2024-10-08 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/10/8/for-a-fannie-mae-loan-if-a-borrower-gets-divorced-and-is-awarded-the-marital-residence-but-has-to-pay-their-ex-spouse-a-lump-sum-how-should-the-refinance-be-structured monthly 0.5 2024-10-08 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/10/8/if-a-borrower-has-an-ira-can-the-underwriter-use-it-as-income-to-qualify-in-a-fannie-mae-loan-if-so-what-would-the-income-be-qualified-as-and-how-would-it-be-calculated monthly 0.5 2024-10-08 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/9/24/do-freddie-mac-and-fannie-mae-allow-the-buyout-of-an-interested-party-in-a-no-cash-out-refinance monthly 0.5 2024-09-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/9/24/do-freddie-mac-and-fannie-mae-both-allow-the-pay-down-of-junior-liens-in-a-no-cash-out-refinance monthly 0.5 2024-09-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/9/24/do-fannie-mae-and-freddie-mac-both-allow-past-due-property-taxes-to-be-included-in-a-no-cash-out-or-limited-cash-out-refinance monthly 0.5 2024-09-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/9/24/if-an-appraisal-has-already-been-obtained-can-the-appraisal-waiver-still-be-used-on-a-conventional-loan-1 monthly 0.5 2024-09-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/9/24/if-du-offers-can-an-appraisal-waiver-be-used-when-the-subject-is-receiving-rental-income-1 monthly 0.5 2024-09-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/9/10/how-does-fha-calculate-the-dates-when-determining-if-a-property-is-a-flip monthly 0.5 2024-09-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/9/10/what-loan-fees-does-va-allow-a-veteran-to-pay monthly 0.5 2024-09-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/9/10/are-there-fees-that-a-veteran-cannot-pay-when-purchasing-a-home-with-a-va-loan monthly 0.5 2024-09-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/9/10/does-fhlmc-consider-a-heloc-to-be-an-acceptable-source-for-down-payment-and-closing-costs monthly 0.5 2024-09-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/9/10/does-the-borrower-have-to-be-related-by-blood-to-be-a-non-occupant-co-borrower-for-a-fnma-purchase monthly 0.5 2024-09-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/8/27/can-the-borrower-obtain-a-new-fha-loan-after-a-forbearance monthly 0.5 2024-09-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/8/27/is-there-a-minimum-credit-score-for-a-usda-loan monthly 0.5 2024-08-27 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/8/27/can-the-borrower-have-a-gap-of-employment-for-an-fha-loan monthly 0.5 2024-08-27 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/8/27/is-the-borrowers-agent-allowed-to-pay-fees-on-behalf-of-the-veteran monthly 0.5 2024-08-27 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/8/27/does-fnma-allow-for-a-second-kitchen-in-the-subject-property monthly 0.5 2024-08-27 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/8/13/on-an-fha-purchase-total-scorecard-is-a-refer-and-we-are-requesting-a-manual-underwrite-the-issue-is-with-a-high-dti-but-we-have-a-written-voe-that-shows-a-5-raise-is-due-30-days-after-we-close monthly 0.5 2024-08-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/8/13/the-property-is-in-a-historic-district-in-milwaukee-wisconsin-and-the-appraisal-states-that-its-water-is-provided-by-an-artisan-well-we-are-trying-to-do-an-fha-purchase-but monthly 0.5 2024-08-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/8/13/on-a-conventional-loan-for-the-purchase-of-a-new-owner-occupied-residence-the-borrower-also-owns-a-vacation-home-with-another-party-the-two-co-owners-split-the-mortgage-payment-50-50 monthly 0.5 2024-08-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/8/13/the-borrowers-bank-statements-show-a-lot-of-venmo-transfers-on-them-do-we-need-to-document-every-one-of-them-on-a-rural-development-loan monthly 0.5 2024-08-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/8/13/can-a-borrower-provide-a-computer-printout-of-a-transaction-history-that-has-a-url-on-it-in-lieu-of-bank-statements-for-a-rural-development-single-family-housing-guarantee-loan monthly 0.5 2024-08-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/30/we-are-doing-an-fha-purchase-for-a-borrower-that-is-currently-in-a-debt-consolidation-repayment-plan-total-scorecard-will-not-accept-the-credit-can-we-do-a-manual-underwrite-on-this monthly 0.5 2024-07-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/30/the-veterans-coe-shows-the-unrestored-entitlement-for-a-foreclosed-va-loan-we-cannot-get-it-removed-unless-the-original-va-loss-has-been-fully-repaid-is-that-an-automatic-denial monthly 0.5 2024-07-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/30/the-co-borrower-states-that-they-have-been-receiving-income-as-an-online-blogger-since-2021-what-kind-of-income-documents-are-needed-for-that monthly 0.5 2024-07-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/30/the-parents-of-the-borrower-want-to-co-sign-on-the-fha-loan-but-they-live-in-canada-there-is-a-concern-about-them-living-out-of-the-country-since-they-do-not-meet-standard-citizenship-and monthly 0.5 2024-07-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/30/the-borrower-has-just-graduated-from-medical-school-and-is-in-their-first-year-of-internship-their-income-is-not-sufficient-to-qualify-for-a-home-thus-the-parents-want-to-buy-them monthly 0.5 2024-07-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/16/the-veteran-and-the-spouse-were-originally-co-borrowers-on-a-va-loan-and-subsequently-divorced-the-spouse-was-awarded-the-property-and-now-wants-to-do-an-interest-rate-reduction-loan-without monthly 0.5 2024-07-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/16/the-borrower-wants-to-use-rental-income-from-a-pool-house-on-the-subject-property-to-offset-the-mortgage-payment-is-that-ever-allowed-on-an-fha-refinance monthly 0.5 2024-07-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/16/the-borrower-was-told-that-a-co-operative-is-not-real-property-and-the-previous-lender-they-applied-with-would-not-do-the-loan-is-that-true monthly 0.5 2024-07-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/16/the-borrower-has-a-primary-residence-in-the-state-of-new-york-and-is-asking-to-do-a-cash-out-cema-refinance-why-would-they-prefer-to-do-that-rather-than-a-stand-alone-second-mortgage monthly 0.5 2024-07-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/16/the-borrower-is-getting-a-20000-fixed-rate-second-mortgage-on-their-current-home-the-note-shows-monthly-payments-amortized-over-15-years-but-the-loan-is-due-and-payable-in monthly 0.5 2024-07-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/2/the-property-is-located-just-outside-anchorage-alaska-and-is-in-a-blue-avalanche-zone-can-that-be-sufficiently-mitigated-to-allow-an-approval monthly 0.5 2024-07-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/2/the-appraisal-shows-that-one-of-the-bathrooms-is-being-remodeled-and-is-subject-to-the-work-being-completed-also-the-borrower-does-not-want-to-finish-its-construction-before-closing-or monthly 0.5 2024-07-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/2/the-purchase-contract-indicates-that-the-property-is-on-a-community-well-but-the-appraisal-shows-that-it-is-a-shared-well-what-is-the-difference-between-the-two-and-how-would-the-discrepancy monthly 0.5 2024-07-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/2/the-va-loan-has-been-suspended-because-the-proposed-second-mortgage-would-put-the-borrower-in-a-worse-position-than-if-they-didnt-use-a-second-mortgage-how-is-that-determined monthly 0.5 2024-07-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/7/2/on-an-fha-refinance-the-borrower-is-having-the-old-manufactured-home-removed-and-is-installing-a-new-one-furthermore-there-is-a-significant-trade-in-credit-on-the-new-units-invoice monthly 0.5 2024-07-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/6/18/the-fha-appraiser-commented-that-the-property-has-potential-methamphetamine-contamination-and-the-appraisal-is-subject-to-a-certification-that-it-is-safe-for-habitation-how-is-that-accomplished monthly 0.5 2024-06-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/6/18/there-is-a-clause-in-the-purchase-contract-for-a-second-home-calling-for-the-transfer-of-a-current-contract-with-a-rental-management-company-upon-further-investigation-it-was-discovered-this-is monthly 0.5 2024-06-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/6/18/the-borrowers-are-financing-a-home-purchase-for-their-parents-to-live-in-and-will-not-be-living-there-the-parents-are-not-on-the-loan-which-is-submitted-as-an-owner-occupied-property-would-this monthly 0.5 2024-06-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/6/18/the-borrower-currently-owns-a-property-that-is-on-pending-sale-and-is-scheduled-to-close-two-days-after-the-subject-loan-closes-given-that-nominal-time-frame-is-there-any-way-to-exclude-counting monthly 0.5 2024-06-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/6/18/the-borrowers-credit-report-reflects-a-foreclosure-on-a-timeshare-account-since-this-is-a-conventional-loan-does-the-seven-year-waiting-period-apply-if-the-loan-was-secured-by monthly 0.5 2024-06-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/6/4/the-borrower-is-doing-an-fha-203k-loan-the-appraisal-shows-that-the-roof-and-walls-of-the-house-have-collapsed-and-the-structure-is-gutted-is-that-acceptable monthly 0.5 2024-06-04 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/6/4/the-borrower-has-a-relocation-agreement-with-their-employer-their-current-home-will-still-be-in-their-name-at-closing-on-the-new-house-do-we-need-to-include-the-pitia-on-that monthly 0.5 2024-06-04 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/6/4/the-property-seller-is-involved-in-a-short-sale-what-documentation-is-needed-for-the-loan-file monthly 0.5 2024-06-04 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/6/4/there-is-a-mechanics-lien-showing-on-the-title-binder-what-is-that-and-how-should-it-be-resolved monthly 0.5 2024-06-04 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/6/4/the-borrower-doesnt-want-to-pay-for-owners-and-lenders-title-insurance-can-the-owners-title-policy-be-waived monthly 0.5 2024-06-04 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/5/21/can-a-current-job-as-a-mechanic-for-only-three-months-be-considered-as-a-stable-work-history-for-someone-who-was-previously-a-farm-laborer monthly 0.5 2024-05-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/5/21/the-borrower-is-using-fha-financing-for-their-home-purchase-but-was-just-accepted-to-a-new-employment-that-will-take-them-out-of-the-country-for-one-year-will-that-meet-fhas-occupancy monthly 0.5 2024-05-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/5/21/the-borrower-is-leaving-their-current-job-and-intends-to-take-a-three-month-sabbatical-before-starting-their-next-one-furthermore-there-is-an-offer-letter-in-file-with-a-firm-start-date monthly 0.5 2024-05-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/5/21/a-written-voe-was-requested-for-the-borrower-and-when-it-came-back-it-showed-they-will-be-retiring-in-six-months-will-that-meet-guidelines-for-stable-income monthly 0.5 2024-05-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/5/21/the-borrower-has-a-large-amount-of-stock-that-they-wish-to-use-for-required-cash-reserves-however-the-asset-statement-shows-it-is-restricted-and-the-underwriter-will-not monthly 0.5 2024-05-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/5/7/the-purchase-contract-shows-that-the-sale-was-transferred-from-the-original-buyer-to-a-new-one-at-a-higher-sales-price-is-that-acceptable monthly 0.5 2024-05-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/5/7/the-underwriter-denied-a-loan-saying-it-did-not-pass-the-reasonableness-test-is-this-a-written-guideline monthly 0.5 2024-05-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/5/7/the-borrower-is-self-employed-and-the-sole-owner-of-a-full-c-corporation-they-want-to-do-an-fha-loan-does-fha-require-a-credit-report-on-the-business-too monthly 0.5 2024-05-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/5/7/is-all-social-security-income-allowed-to-be-grossed-up-or-do-you-have-to-be-of-retirement-age-to-do-so monthly 0.5 2024-05-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/5/7/a-borrower-is-a-sole-proprietor-of-a-business-that-has-had-a-continual-income-decrease-for-the-most-recent-2-years-the-business-has-not-made-any-income-as-of-year-to-date-can-this-income monthly 0.5 2024-05-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/4/23/when-validating-the-borrowers-social-security-number-both-the-w2-and-credit-report-have-differing-information-what-is-the-most-reliable-document-that-you-should-be-using-when-comparing monthly 0.5 2024-04-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/4/23/when-validating-the-borrower-information-on-the-credit-report-what-is-the-most-reliable-document-that-the-report-should-be-compared-to monthly 0.5 2024-04-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/4/23/the-credit-report-pulled-by-the-processor-reflects-several-30-day-accounts-how-do-these-differ-from-revolving-accounts-and-what-additional-documentation-is-needed-for-this-scenario monthly 0.5 2024-04-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/4/23/if-a-borrower-has-had-several-jobs-within-the-past-few-years-but-has-always-held-a-job-with-minimal-if-there-is-any-gap-does-this-comply-with-agency-requirements monthly 0.5 2024-04-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/4/23/when-reviewing-the-inquiries-returned-on-a-credit-report-what-time-as-a-look-back-period-should-a-processor-be-reviewing monthly 0.5 2024-04-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/4/9/can-a-co-op-owner-obtain-a-reverse-mortgage monthly 0.5 2024-04-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/4/9/since-the-property-did-not-appraise-high-enough-to-support-the-loan-request-the-borrower-wants-to-use-a-blanket-mortgage-to-include-a-second-property-as-collateral-is-that-allowed monthly 0.5 2024-04-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/4/9/a-family-member-has-disclosed-that-the-borrower-has-advanced-dementia-and-wants-to-close-the-loan-in-the-borrowers-name-using-a-power-of-attorney-is-that-allowed monthly 0.5 2024-04-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/4/9/when-processing-an-oklahoma-loan-the-closing-attorney-provided-an-attorney-opinion-letter-instead-of-a-title-binder-is-that-acceptable monthly 0.5 2024-04-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/4/9/what-is-needed-to-document-a-manufactured-home-that-has-been-converted-to-real-property monthly 0.5 2024-04-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/3/26/should-business-expenses-for-use-of-a-remote-workers-home-be-considered-in-qualifying monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/3/26/the-borrower-is-relocating-from-new-york-to-arizona-but-will-continue-to-work-with-the-same-employer-although-the-company-has-no-branches-near-the-new-home-can-we-still-use-his-income monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/3/26/is-it-true-that-its-possible-to-finance-more-than-four-units-on-a-va-loan monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/3/26/when-do-you-classify-a-property-as-a-duplex-versus-an-attached-single-family-home monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/3/26/the-borrowers-spouse-owns-the-previous-home-in-his-name-only-and-he-is-not-in-the-new-loan-that-property-is-being-retained-do-the-mortgage-payments-need-to-be-included monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/3/12/the-property-is-a-new-construction-with-multiple-changes-to-the-sales-price-after-the-appraisal-was-completed-does-the-appraiser-need-to-update-the-report-after-each-change monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/3/12/the-appraisal-indicates-that-the-property-is-located-close-to-a-tank-farm-that-has-a-mass-casualty-designation-with-the-city-can-we-do-an-fha-loan-on-it monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/3/12/when-are-encroachments-ever-allowed monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/3/12/the-borrower-currently-owns-an-auto-repair-shop-in-montana-he-is-buying-a-new-home-in-idaho-and-moving-the-business-to-the-new-location-can-that-income-still-be-used-to-qualify monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/3/12/the-title-report-shows-the-condominium-as-fee-simple-but-there-is-a-long-term-land-lease-showing-as-an-exception-how-can-it-be-both-fee-simple-and-leasehold monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/2/27/how-does-a-lender-paid-buydown-work monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/2/27/what-does-churning-mean-in-relation-to-mortgages monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/2/27/are-sellers-on-a-va-loan-limited-to-paying-only-four-percent-toward-the-buyers-closing-costs monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/2/27/will-fha-allow-new-construction-that-backs-up-to-a-busy-interstate monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/2/27/can-a-letter-of-explanation-on-a-large-deposit-ever-be-acceptable monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/2/13/why-do-fha-and-va-require-a-credit-report-for-a-spouse-who-is-not-on-the-loan monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/2/13/the-real-estate-agent-helped-obtain-a-verification-of-employment-for-the-borrowers-fha-loan-why-was-it-rejected monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/2/13/are-there-any-special-considerations-when-doing-an-fha-loan-on-a-4-unit-property monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/2/13/can-an-unrecorded-land-contract-be-refinanced monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/2/13/the-borrower-receives-a-state-subsidy-for-an-adopted-child-can-this-be-used-as-qualifying-income monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/30/is-the-rent-from-house-hacking-an-acceptable-source-of-income monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/30/what-are-the-limitations-of-d-us-day-1-certainty monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/30/if-a-sales-price-changes-after-the-appraisal-is-completed-is-an-amended-appraisal-reflecting-the-correct-sales-price-required monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/30/the-borrower-is-going-to-work-for-the-family-business-but-will-not-start-until-after-closing-will-a-copy-of-the-contract-for-future-employment-suffice-for-anticipated-income monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/30/during-a-processing-review-it-is-noticed-that-the-borrowers-paystubs-do-not-include-deductions-can-these-be-used-for-qualification-or-is-more-information-needed monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/11/what-is-the-difference-in-a-deed-of-trust-and-a-mortgage-and-why-is-it-that-not-all-states-use-the-same-document-to-secure-a-lien monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/11/the-borrower-is-really-wanting-to-waive-escrows-is-there-any-way-around-the-borrower-having-to-put-20-down-to-do-so monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/11/if-a-borrower-was-issued-an-initial-loan-estimate-and-it-has-expired-is-a-creditor-able-to-use-a-revised-loan-estimate monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/11/regarding-a-loan-estimate-what-exactly-is-considered-a-changed-circumstance monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/11/on-a-refinance-since-there-is-no-purchase-contract-what-would-you-use-for-the-estimated-property-value-in-order-to-disclose-the-initial-loan-estimate monthly 0.5 2024-04-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/2/regarding-the-bank-statement-program-for-non-qm-loans-what-types-of-borrowers-would-this-product-be-ideal-for monthly 0.5 2024-01-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/2/when-underwriting-a-commercial-loan-it-is-important-to-establish-an-accurate-collateral-value-how-are-you-able-to-determine-if-there-are-existing-liens-against-the-collateral monthly 0.5 2024-01-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/2/what-are-the-requirements-for-a-veterans-surviving-spouse-to-be-able-to-use-the-va-benefits-of-the-deceased-veteran monthly 0.5 2024-01-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/2/is-any-person-who-served-in-the-united-states-military-forces-considered-to-be-an-eligible-applicant-for-a-va-loan-program monthly 0.5 2024-01-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2024/1/2/a-veteran-borrower-will-be-transferred-out-of-state-within-the-next-year-and-would-like-to-purchase-a-primary-residence-there-does-va-allow-a-purchase-of-a-second-primary-residence monthly 0.5 2024-01-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/12/19/the-veteran-borrowers-credit-report-reflects-a-previous-foreclosure-does-this-disqualify-him-from-getting-a-va-loan monthly 0.5 2023-12-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/12/19/when-processing-a-va-loan-it-must-be-established-if-the-veteran-is-exempt-from-or-is-responsible-for-paying-a-funding-fee-what-is-the-best-way-to-determine-if-the-veteran-is-exempt monthly 0.5 2023-12-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/12/19/when-va-states-that-they-will-issue-guaranty-on-a-loan-does-it-cover-the-full-loan-amount monthly 0.5 2023-12-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/12/19/when-processing-the-loan-it-is-noticed-on-the-bank-statements-that-the-borrower-is-making-monthly-payments-to-the-irs-what-documentation-is-needed-to-support-a-payment-agreement-should monthly 0.5 2023-12-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/12/19/when-processing-the-loan-it-is-noticed-that-the-seller-on-the-contract-is-not-the-same-as-the-seller-of-record-on-property-taxation-documents-how-would-you-go-about-determining-the monthly 0.5 2023-12-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/12/5/for-a-borrower-whose-credit-report-is-returned-with-several-accounts-with-balances-but-no-monthly-amount-due-is-it-safe-to-formulate-debt-with-zero-due-monthly-on-these-credit-lines monthly 0.5 2023-12-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/12/5/as-a-processor-i-routinely-review-schedule-b-on-the-title-commitment-to-determine-if-the-property-is-a-pud-do-all-puds-have-homeowners-fees monthly 0.5 2023-12-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/12/5/during-an-underwriting-review-of-the-title-commitment-it-is-noticed-that-the-borrower-has-several-liens-reflected-on-the-title-report-do-these-liens-have-to-be-paid-off-prior-to-closing monthly 0.5 2023-12-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/12/5/when-reviewing-all-of-the-borrowers-types-of-income-the-tax-returns-reflect-several-different-streams-of-profit-and-loss-specifically-capital-gains-how-should-these-be-treated monthly 0.5 2023-12-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/12/5/as-a-processor-i-know-that-va-funding-fee-rates-were-reduced-in-early-2023-does-this-apply-to-all-va-loans monthly 0.5 2023-12-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/11/21/if-a-property-is-in-an-area-known-to-be-prone-to-natural-hazards-is-it-eligible-for-financing monthly 0.5 2023-11-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/11/21/the-borrowers-are-asking-how-they-should-hold-title-what-are-their-options monthly 0.5 2023-11-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/11/21/the-title-binder-shows-the-property-is-fee-simple-what-does-that-mean monthly 0.5 2023-11-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/11/21/there-is-conflicting-information-in-the-file-for-the-property-how-would-you-determine-if-its-really-a-condo-or-a-pud monthly 0.5 2023-11-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/11/21/the-borrower-is-using-a-susu-account-for-the-down-payment-is-that-an-acceptable-source-of-funds monthly 0.5 2023-11-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/11/7/what-kind-of-comparable-sales-can-be-used-when-the-property-is-the-first-sold-in-a-new-subdivision monthly 0.5 2023-11-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/11/7/the-residual-income-on-a-va-loan-is-too-low-can-income-from-a-non-borrowing-spouse-be-used-to-resolve-the-problem monthly 0.5 2023-11-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/11/7/the-borrower-on-a-va-loan-works-for-a-railroad-the-paystub-doesnt-show-a-social-security-deduction-does-that-mean-they-are-exempt monthly 0.5 2023-11-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/11/7/under-va-guidelines-can-disability-income-be-used-if-there-is-only-6-months-remaining monthly 0.5 2023-11-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/11/7/the-borrower-has-a-3-hour-roundtrip-daily-commute-should-that-be-considered-on-a-va-loan monthly 0.5 2023-11-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/10/24/the-borrower-wants-to-use-bitcoin-for-the-down-payment-is-that-allowable-and-how-would-you-document-if-it-is monthly 0.5 2023-10-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/10/24/the-borrower-has-worked-at-macys-during-the-holiday-season-for-the-last-3-years-but-isnt-working-right-now-since-its-off-season-do-i-need-to-wait-until-they-are-back-at-work-to-use-this-income monthly 0.5 2023-10-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/10/24/the-borrower-just-started-a-new-salaried-position-in-the-same-line-of-work-as-his-prior-job-however-even-though-he-worked-there-for-over-two-years-the-only-pay-was-free-housing-how-should monthly 0.5 2023-10-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/10/24/what-kind-of-documentation-is-needed-when-the-contract-shows-the-earnest-money-is-a-promissory-note monthly 0.5 2023-10-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/10/24/the-contract-reflects-a-backyard-jungle-gym-included-in-the-sale-and-the-appraisal-shows-it-is-quite-elaborate-is-that-acceptable monthly 0.5 2023-10-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/10/10/when-should-the-disputes-on-the-credit-report-be-addressed-and-excluded-and-when-does-the-dispute-constitute-a-downgrade monthly 0.5 2023-10-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/10/10/when-completing-a-loan-review-what-are-some-of-the-most-common-red-flags-that-a-processor-should-be-looking-for-to-combat-mortgage-fraud monthly 0.5 2023-10-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/10/10/when-running-caivrs-during-processing-an-fha-loan-what-action-should-the-processor-take-to-clear-a-caivrs-default monthly 0.5 2023-10-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/10/10/during-processing-it-was-found-that-the-borrower-was-denied-for-an-fha-loan-by-another-lender-on-the-same-property-how-should-the-processor-proceed monthly 0.5 2023-10-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/10/10/when-processing-an-fha-loan-it-is-necessary-to-ensure-signatures-are-on-the-fha-amendatory-clause-and-the-real-estate-certification-what-purpose-do-these-documents-serve monthly 0.5 2023-10-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/9/26/the-borrower-is-unable-to-qualify-on-his-own-and-is-having-to-use-his-non-occupant-father-to-cosign-for-the-refinance-on-his-home-since-his-father-is-only-on-the-loan-as-a-co-borrower monthly 0.5 2023-09-26 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/9/26/as-a-processor-it-is-known-that-a-loan-estimate-or-a-closing-disclosure-must-be-delivered-to-the-customer-within-3-days-of-application-or-closing-how-can-this-be-determined-if-the-borrower-does monthly 0.5 2023-09-26 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/9/26/as-a-commercial-loan-underwriter-it-is-noticed-on-the-statement-of-cash-flow-there-are-large-variations-in-the-financing-from-year-to-year-what-can-cause-this-fluctuation monthly 0.5 2023-09-26 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/9/26/when-underwriting-a-commercial-loan-and-analyzing-the-statement-of-cash-flow-which-sections-should-be-reviewed-to-determine-the-solidarity-of-the-company monthly 0.5 2023-09-26 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/9/26/when-reviewing-a-commercial-loan-it-is-the-underwriters-responsibility-to-review-the-companys-most-recent-balance-sheet-what-is-the-best-way-to-find-the-true-net-worth-of-the-company monthly 0.5 2023-09-26 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/9/12/the-borrower-needs-to-use-a-loan-from-a-retirement-account-for-downpayment-and-closing-costs-does-a-loan-against-a-retirement-account-meet-fannie-mae-guidelines monthly 0.5 2023-09-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/9/12/when-reviewing-a-borrowers-credit-report-it-is-noticed-that-the-borrower-has-an-actual-home-equity-line-of-credit-or-heloc-attached-to-the-property-is-it-necessary-to-use-this-payment-in monthly 0.5 2023-09-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/9/12/when-reviewing-a-borrowers-credit-report-if-the-revolving-charges-or-lines-of-credit-do-not-have-a-minimum-payment-do-they-need-to-be-considered-in-the-monthly-debt-obligations monthly 0.5 2023-09-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/9/12/the-borrower-has-been-granted-a-gift-of-equity-from-his-parents-and-would-like-to-use-it-towards-the-downpayment-closing-costs-and-any-reserves-required-towards-the-purchase-of-their-home monthly 0.5 2023-09-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/9/12/when-underwriting-a-loan-where-the-income-assets-and-reserves-are-coming-from-a-trust-is-proof-of-continuance-required-what-documentation-needs-to-be-obtained monthly 0.5 2023-09-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/29/when-must-an-fha-loan-containing-disputed-derogatory-accounts-be-manually-underwritten monthly 0.5 2023-08-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/29/when-the-guidelines-require-a-payment-to-be-calculated-on-a-student-loan-what-is-the-difference-in-how-fannie-mae-and-freddie-mac-approach-the-calculation monthly 0.5 2023-08-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/29/under-what-circumstances-is-boarder-income-acceptable-on-a-fannie-mae-loan monthly 0.5 2023-08-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/29/what-is-unique-about-calculating-bonus-income monthly 0.5 2023-08-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/29/on-a-fannie-mae-loan-what-is-required-to-allow-temporary-leave-income monthly 0.5 2023-08-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/15/fha-guidelines-state-that-rate-term-refinances-are-only-allowed-on-owner-occupied-principal-residences-and-hud-approved-second-homes-what-documentation-should-the-processor-obtain-to-prove-that monthly 0.5 2023-08-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/15/a-borrower-recently-received-a-large-settlement-from-an-accident-that-he-was-involved-in-he-received-an-initial-lump-sum-but-also-will-be-getting-monthly-payments-as-well-how-should-this monthly 0.5 2023-08-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/15/as-a-processor-i-know-that-there-are-some-items-that-the-borrower-is-allowed-to-shop-for-and-some-that-are-assigned-or-are-designated-by-the-lender-does-the-borrower-have-the-ability-to monthly 0.5 2023-08-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/15/a-brother-and-a-sister-are-refinancing-a-property-that-they-inherited-from-their-grandmother-the-sister-wants-to-sell-her-portion-of-the-property-to-her-brother-is-this-possible-with monthly 0.5 2023-08-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/15/when-processing-an-fha-loan-for-a-young-first-time-homebuyer-without-a-2-year-work-history-what-documentation-can-be-obtained-to-prove-the-ability-to-repay monthly 0.5 2023-08-15 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/1/as-a-processor-i-know-that-a-va-termite-inspection-report-is-normally-good-for-90-days-only-are-there-situations-andor-instances-where-this-time-period-may-be-extended monthly 0.5 2023-08-01 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/1/when-a-veteran-is-buying-a-condominium-do-the-same-termite-inspection-guidelines-apply-should-the-processor-follow-the-same-guidance-for-obtaining-a-termite-inspection-report-as-they-would monthly 0.5 2023-08-01 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/1/when-processing-a-va-loan-it-is-a-requirement-for-a-termite-inspection-to-be-obtained-for-very-heavy-or-moderate-to-heavy-termite-infestation-areas-can-you-use-the-existing monthly 0.5 2023-08-01 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/1/on-an-fha-rate-term-refinance-guidelines-state-that-the-maximum-ltv-is-9775-for-an-owner-occupied-residence-in-what-instance-would-the-max-ltv-differ monthly 0.5 2023-08-01 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/8/1/the-borrower-just-started-a-new-job-and-his-paystubs-reflect-his-car-allowance-simply-as-expenses-what-needs-to-be-obtained-to-prove-that-this-is-the-same-as-the-car-allowance monthly 0.5 2023-08-01 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/7/18/the-borrowers-credit-report-reflects-that-an-american-express-30-day-charge-account-that-the-borrower-states-he-pays-off-monthly-how-would-a-processor-derive-a-payment-for-this-type-of-account monthly 0.5 2023-07-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/7/18/is-a-borrower-allowed-to-payoff-or-pay-down-a-debt-simply-for-qualifying-purposes monthly 0.5 2023-07-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/7/18/if-an-employer-pays-a-borrower-an-automobile-allowance-on-their-own-personal-vehicle-for-gas-car-maintenance-and-other-auto-expenditures-can-this-be-considered-a-source-of-income monthly 0.5 2023-07-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/7/18/if-the-borrower-has-someone-living-with-them-as-a-boarder-can-this-income-be-used-to-qualify monthly 0.5 2023-07-18 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/7/18/borrowers-disclosed-in-the-application-process-that-they-were-unable-to-pay-last-years-income-taxes-in-full-and-are-paying-the-irs-monthly-to-repay-these-taxes-does-this-need-to-be monthly 0.5 2023-07-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/7/5/the-borrower-was-unable-to-supply-sufficient-assets-to-close-so-a-co-borrower-was-added-to-the-application-the-co-borrower-is-a-non-occupant-and-is-providing-the-assets-for-the-down-payment monthly 0.5 2023-07-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/7/5/the-borrower-does-not-have-any-available-cash-on-hand-for-closing-costs-and-down-payment-but-he-does-carry-a-life-insurance-policy-can-he-borrow-against-the-policy-or-surrender-it-for-cash-value monthly 0.5 2023-07-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/7/5/the-borrower-gets-reward-points-for-the-purchases-that-he-makes-on-his-credit-card-if-these-can-be-converted-to-cash-are-they-an-acceptable-source-of-down-payment-closing-costs-and-any monthly 0.5 2023-07-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/7/5/regarding-fhas-requirement-for-lead-paint-if-the-appraiser-finds-peeling-or-cracking-paint-does-the-entire-home-have-to-be-repainted monthly 0.5 2023-07-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/7/5/when-the-home-was-appraised-there-were-some-minor-repairs-required-to-be-completed-thus-requiring-a-final-inspection-if-the-original-appraiser-is-legitimately-unable-to-complete monthly 0.5 2023-07-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/6/20/the-borrower-co-owns-a-rental-property-with-her-sister-she-is-applying-for-a-new-mortgage-and-does-not-qualify-with-this-rental-payment-she-is-choosing-to-proceed-with-a-property-buy-out monthly 0.5 2023-06-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/6/20/a-self-employed-borrower-has-just-turned-in-his-lease-vehicle-and-opted-to-purchase-rather-than-lease-a-new-vehicle-this-truck-is-used-by-the-business-and-the-payment-is-made-by-the monthly 0.5 2023-06-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/6/20/due-to-minimal-credit-usage-the-borrower-has-to-use-non-traditional-credit-to-qualify-he-lives-with-his-parents-and-pays-utility-bills-in-lieu-of-a-formal-rent-payment-how-should-this monthly 0.5 2023-06-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/6/20/the-borrowers-are-currently-living-in-an-apartment-and-their-lease-does-not-expire-until-6-months-after-closing-do-the-remaining-lease-payments-or-a-lease-buy-out-fee-have-to-be-included-as monthly 0.5 2023-06-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/6/20/the-borrowers-bought-new-furniture-for-their-home-but-payments-are-deferred-for-one-year-they-are-planning-to-pay-the-balance-off-before-any-payments-begin-does-any-payment-need-to-be monthly 0.5 2023-06-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/6/6/the-borrowers-tax-returns-reflect-that-one-of-his-businesses-takes-a-significant-loss-annually-the-processor-has-learned-that-this-company-is-no-longer-in-business-what-documentation monthly 0.5 2023-06-06 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/6/6/the-borrower-is-working-a-full-time-job-now-but-is-set-to-retire-in-two-months-when-he-turns-65-what-income-should-be-used-to-qualify monthly 0.5 2023-06-06 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/6/6/when-processing-a-loan-should-overdrafts-be-reviewed-and-red-flagged-just-as-nsfs-would-be monthly 0.5 2023-06-06 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/6/6/the-borrower-had-previously-been-a-seamstress-in-a-clothing-store-for-many-years-they-now-have-their-own-tailoring-business-but-it-has-only-been-open-for-a-year-can-this-be-used-as monthly 0.5 2023-06-06 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/6/6/the-borrowers-credit-report-reflects-a-repossession-of-a-vehicle-that-was-caused-by-an-ex-spouses-non-payment-will-this-debt-be-held-against-the-borrower monthly 0.5 2023-06-06 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/5/23/when-reviewing-the-appraisal-how-would-a-processor-or-underwriter-know-if-functional-obsolescence-exists monthly 0.5 2023-05-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/5/23/when-reviewing-the-loan-file-the-underwriter-noticed-that-the-primary-borrower-has-no-source-of-income-all-of-the-income-used-to-support-the-loan-qualification-comes-from-the-secondary monthly 0.5 2023-05-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/5/23/if-a-borrower-is-shopping-for-a-service-such-as-a-title-company-they-are-free-to-choose-the-most-inexpensive-one-what-happens-when-the-fee-that-they-were-initially-quoted-differs monthly 0.5 2023-05-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/5/23/a-borrowers-loan-has-made-it-all-the-way-through-underwriting-however-the-loan-to-value-is-too-high-for-the-program-parameters-what-are-the-easiest-things-to-do-to-cure-a-high-ltv monthly 0.5 2023-05-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/5/23/as-a-processor-one-of-my-normal-checkpoints-is-to-review-the-appraisal-especially-the-commentary-and-notes-by-the-appraiser-on-the-subject-property-it-is-noted-that monthly 0.5 2023-05-23 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/5/9/when-processing-a-refinance-its-easy-to-get-confused-as-to-the-requirements-for-a-texas-cash-out-refinance-50a6-as-opposed-to-a-texas-cash-out-50-a5-for-home-improvement-what-is-the monthly 0.5 2023-05-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/5/9/as-a-newer-processor-i-know-that-each-of-the-schedules-of-the-title-commitment-are-important-and-represent-a-commitment-from-the-title-company-insurer-what-does-each-schedule-represent monthly 0.5 2023-05-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/5/9/if-the-seller-on-the-contract-is-in-the-name-of-an-llc-or-a-business-how-can-the-processor-know-that-the-signor-is-legitimate-and-can-sign-on-behalf-of-the-company monthly 0.5 2023-05-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/5/9/processing-documentation-for-a-construction-loan-requires-builders-risk-insurance-what-does-it-cover-and-how-is-it-different-from-hazard-insurance monthly 0.5 2023-05-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/5/9/as-a-processor-i-know-that-i-am-to-look-for-indications-in-the-file-that-the-property-is-in-a-pud-can-you-give-some-examples-of-identifiers-that-might-help-to-recognize-if-the-property-is-in monthly 0.5 2023-05-09 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/4/25/is-the-in-depth-quality-control-program-performed-by-the-lender-only-for-certain-types-of-mortgages-is-it-just-for-single-family-programs monthly 0.5 2023-04-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/4/25/in-order-to-maintain-oversight-and-accuracy-in-submissions-and-fundings-of-mortgages-which-agencies-require-a-quality-control-program-is-this-a-review-that-takes-place-after-the-loan-closes monthly 0.5 2023-04-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/4/25/in-reviewing-the-closing-disclosure-the-borrower-noticed-that-there-were-some-fees-for-services-which-they-did-not-choose-the-provider-are-there-some-services-that-they-can-shop monthly 0.5 2023-04-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/4/25/a-borrower-has-recently-sold-her-primary-residence-and-has-chosen-to-purchase-a-duplex-she-will-be-living-on-one-side-of-the-dwelling-and-would-like-to-rent-out-the-other-side-using-the-income monthly 0.5 2023-04-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/4/25/a-self-employed-business-owner-has-applied-for-a-mortgage-wanting-to-use-his-w2-monthly-salary-paid-by-the-company-as-his-only-means-of-qualification-tax-returns-reflect monthly 0.5 2023-04-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/4/11/occasionally-we-run-across-borrowers-who-do-not-use-a-financial-institution-they-keep-cash-on-hand-as-a-processor-how-would-i-go-about-documenting-a-recent-large-cash-deposit-for monthly 0.5 2023-04-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/4/11/the-borrower-is-selling-his-current-home-and-is-moving-out-of-state-unfortunately-his-current-employment-does-not-end-until-3-weeks-after-he-closes-on-his-new-home-is-he-allowed-to-stay-in-the monthly 0.5 2023-04-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/4/11/the-borrower-is-trying-to-come-up-with-sufficient-assets-to-close-and-realizes-that-he-has-some-available-stocks-and-bonds-will-the-value-of-these-be-determined-by-the-purchased-amount monthly 0.5 2023-04-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/4/11/prospective-borrower-is-recently-divorced-and-concerned-that-she-is-still-liable-for-the-note-on-the-property-she-once-shared-with-her-ex-husband-is-this-note-still-her-responsibility-since monthly 0.5 2023-04-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/4/11/a-borrower-is-looking-to-purchase-a-plot-of-land-in-the-country-the-land-does-not-have-its-own-entry-or-exitnbsp-the-current-owner-is-friends-with-his-neighbors-and-they-dont-mind monthly 0.5 2023-04-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/3/28/it-has-been-stated-that-boarder-income-is-an-unacceptable-source-of-income-to-be-used-in-qualification-however-what-if-the-borrower-is-disabled-or-unable-to-care-for-themselves-are-there monthly 0.5 2023-03-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/3/28/when-reviewing-tax-returns-the-processor-notices-that-the-customer-continuously-has-reoccurring-capital-gains-losses-on-schedule-d-does-this-negative-income-need-to-be-counted-against monthly 0.5 2023-03-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/3/28/the-borrower-is-looking-to-purchase-a-new-home-but-he-has-just-accepted-a-new-job-and-he-will-not-start-until-almost-3-months-after-the-loan-is-set-to-close-does-this-disqualify-him-from-the-loan monthly 0.5 2023-03-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/3/28/when-reviewing-the-documentation-submitted-for-condo-approval-the-processor-noticed-that-the-condo-questionnaire-was-on-an-unfamiliar-form-it-appeared-to-be-a-form-put-together-on-the monthly 0.5 2023-03-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/3/28/on-du-casefiles-when-running-desktop-underwriter-the-processor-notices-that-the-findings-continue-to-show-monthly-payments-due-on-revolving-accounts-that-do-not-have-a-payment-due-reflected monthly 0.5 2023-03-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/3/14/a-borrower-receives-child-support-however-it-is-not-paid-through-the-courts-can-this-income-be-used-to-qualify-for-fha monthly 0.5 2023-03-14 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/3/14/a-borrower-has-applied-for-a-standard-conventional-loan-and-the-credit-report-shows-numerous-credit-inquiries-what-are-the-agency-requirements-regarding-so-many-inquiries monthly 0.5 2023-03-14 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/3/14/the-credit-report-shows-several-30-day-accounts-with-large-open-balances-which-the-borrower-is-required-to-pay-in-full-every-month-how-does-fnma-calculate-a-monthly-payment-for-these-types-of monthly 0.5 2023-03-14 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/3/14/how-much-of-the-borrowers-closing-costs-is-the-seller-allowed-to-pay-on-an-fha-loan-1 monthly 0.5 2023-03-14 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/3/14/are-borrowers-required-to-payoff-collections-on-an-fha-loan monthly 0.5 2023-03-14 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/2/28/an-fha-borrower-switched-jobs-and-went-from-salary-to-hourly-2nbspmonths-ago-the-hours-fluctuate-from-week-to-week-depending-upon-when-they-are-needednbsphow-should-we-calculate monthly 0.5 2023-02-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/2/28/a-conventional-borrower-has-authorized-user-accounts-reporting-on-their-credit-how-should-those-be-handled monthly 0.5 2023-02-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/2/28/what-is-the-validity-period-of-an-fha-appraisal-is-it-similar-to-a-conventional-loan-for-existing-and-new-construction-appraisals monthly 0.5 2023-02-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/2/28/a-conventional-borrower-needs-restricted-stock-income-tonbspqualify-what-type-of-documentation-is-required monthly 0.5 2023-02-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/2/28/for-an-fha-manual-underwrite-can-the-required-reserves-come-from-a-gift monthly 0.5 2023-02-28 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/2/13/can-a-prorated-tax-credit-be-considered-in-meeting-the-borrowersnbsp35-down-payment-for-an-fha-borrower monthly 0.5 2023-02-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/2/13/a-conventional-borrower-is-using-rent-from-the-subject-property-in-order-to-qualify-what-can-be-used-to-support-that-rent monthly 0.5 2023-02-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/2/13/an-fha-borrower-had-more-than-3-jobs-in-the-last-12-months-isnbspthere-any-additional-documentation-that-will-be-required monthly 0.5 2023-02-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/2/13/the-conventional-borrower-is-self-employed-and-provided-their-k-1-is-it-acceptable-to-use-the-ordinary-income-in-qualifying-when-there-are-no-distributions-showing monthly 0.5 2023-02-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/2/13/if-a-conventional-borrower-needs-to-use-rent-from-the-tax-returnsnbspto-qualify-will-the-underwriter-be-able-to-use-100-or-75-of-the-gross-rent-1 monthly 0.5 2023-02-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/31/does-a-conventional-borrower-have-to-currently-be-on-title-in-order-to-refinance-the-home monthly 0.5 2023-01-31 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/31/are-unsecured-loans-an-acceptable-source-of-down-payment-for-an-fha-borrower monthly 0.5 2023-01-31 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/31/will-the-fha-monthly-mip-automatically-drop-off-when-the-borrower-reaches-80-loan-to-value monthly 0.5 2023-01-31 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/31/a-borrower-has-a-bank-account-with-another-person-who-is-not-onnbspthe-loan-will-there-be-anything-required-in-order-to-use-thesenbspfunds monthly 0.5 2023-01-31 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/31/an-fha-borrower-had-a-job-gap-greater-than-6-months-whatnbspdocumentation-will-be-required-in-order-to-qualify monthly 0.5 2023-01-31 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/17/fha-total-scorecard-returned-a-e-findings-through-the-automated-underwriting-system-however-since-then-a-few-things-have-changed-does-fha-require-an-updated-aus-every-time-something monthly 0.5 2023-01-17 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/17/do-the-conventional-or-government-agencies-have-a-particular-gift-letter-form-that-must-be-used-when-a-borrower-is-receiving-a-gift-for-funds-to-close monthly 0.5 2023-01-17 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/17/does-fha-allow-income-from-a-new-job-that-hasnt-started-yet-to-be-used-to-qualify-the-borrower-for-the-new-loan monthly 0.5 2023-01-17 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/17/must-the-borrower-always-verify-the-earnest-money-deposit-shown-on-the-contract-in-order-for-the-emd-to-count-toward-the-funds-to-close-on-an-fha-loan monthly 0.5 2023-01-17 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/17/may-cryptocurrency-like-bitcoin-be-used-for-the-down-payment-or-closing-costs-on-a-conforming-conventional-loan monthly 0.5 2023-01-17 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/3/how-long-must-a-foreclosure-be-seasoned-before-the-borrower-is-eligible-for-a-new-conventional-loan monthly 0.5 2023-01-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/3/how-do-the-conventional-loan-agencies-measure-the-wait-time-required-to-season-adverse-credit-such-as-a-bankruptcy-or-a-foreclosure monthly 0.5 2023-01-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/3/should-income-or-a-loss-from-side-self-employment-showing-on-the-tax-returns-be-included-in-the-ratios-on-a-conventional-loan-even-though-the-borrower-has-adequate-income-from-a-job-to-qualify monthly 0.5 2023-01-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/3/may-student-loan-payments-be-excluded-from-the-debt-ratio-on-a-fannie-mae-loan-if-the-student-loans-are-showing-as-deferred-on-the-credit-report monthly 0.5 2023-01-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2023/1/3/the-contract-has-a-clause-letting-the-seller-rent-back-the-property-from-the-buyer-after-closing-does-fannie-mae-allow-this-arrangement monthly 0.5 2023-01-03 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/12/20/the-borrower-has-a-401k-loan-with-a-deduction-on-their-paystub-must-this-be-added-as-a-debt monthly 0.5 2022-12-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/12/20/the-borrower-has-a-mortgage-reporting-for-a-timeshare-how-is-that-treated monthly 0.5 2022-12-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/12/20/the-borrower-has-no-credit-score-can-he-get-a-mortgage monthly 0.5 2022-12-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/12/20/what-is-an-appraisal-and-how-is-it-used-by-a-lender monthly 0.5 2022-12-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/12/20/what-is-mortgage-underwriting-and-what-are-the-4-cs-of-underwriting monthly 0.5 2022-12-20 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/12/5/the-subject-property-is-for-the-va-purchase-of-a-condo-located-on-the-second-floor-of-an-attached-condo-project-would-the-processor-need-to-obtain-a-termite-inspection-if-the-property-is monthly 0.5 2022-12-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/12/5/what-type-of-documentation-would-the-processor-need-to-obtain-if-the-borrowers-credit-report-reflects-a-revolving-tradeline-marked-as-thirty-days-past-due monthly 0.5 2022-12-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/12/5/the-borrower-owns-property-jointly-with-a-spouse-they-are-separated-from-and-the-spouse-makes-the-mortgage-payments-which-include-both-taxes-and-insurance-however-there monthly 0.5 2022-12-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/12/5/can-grossed-up-non-taxable-income-be-included-in-the-residual-income-calculation-with-va-financing monthly 0.5 2022-12-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/12/5/the-borrower-is-purchasing-a-property-from-a-family-member-using-va-financing-the-seller-wants-to-give-a-gift-of-equity-is-this-allowed monthly 0.5 2022-12-06 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/11/22/the-borrowers-best-friend-wants-to-gift-funds-for-closing-on-an-fha-purchase-what-documentation-does-the-processor-need-to-obtain monthly 0.5 2022-11-22 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/11/22/do-the-monthly-payments-for-self-reported-utilities-from-the-credit-report-need-to-be-included-in-the-debt-ratio monthly 0.5 2022-11-22 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/11/22/the-borrowers-profit-and-loss-statement-includes-the-proceeds-of-a-paycheck-protection-program-loan-as-part-of-the-gross-profit-can-the-underwriter-include monthly 0.5 2022-11-22 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/11/22/the-borrowers-credit-report-reflects-non-medical-collection-accounts-with-balances-totaling-more-than-2000-how-does-fha-require-the-monthly-payment-to-be-calculated monthly 0.5 2022-11-22 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/11/22/in-order-to-meet-fnma-requirements-what-documentation-would-a-processor-need-to-qualify-the-borrower-if-a-student-loan-monthly-payment-of-0-is-reflected-on-the-credit-report monthly 0.5 2022-11-22 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/11/8/what-is-required-to-use-asset-depletion-as-income monthly 0.5 2022-11-08 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/11/8/can-a-debt-paid-by-another-party-be-omitted-from-the-borrowers-monthly-obligations monthly 0.5 2022-11-08 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/11/8/if-a-student-loan-is-in-deferment-or-in-forbearance-can-the-payment-be-omitted monthly 0.5 2022-11-08 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/11/8/how-is-the-rental-income-from-the-subject-property-determined-on-a-purchase-of-an-investment-property monthly 0.5 2022-11-08 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/11/8/on-the-borrowers-credit-report-one-of-the-debts-does-not-show-a-payment-what-should-be-used-as-a-payment monthly 0.5 2022-11-08 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/10/25/what-documentation-is-required-for-ira-distributions-1 monthly 0.5 2022-10-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/10/25/what-are-the-verification-requirements-for-self-employment-income monthly 0.5 2022-10-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/10/25/what-are-the-requirements-for-a-manufactured-home monthly 0.5 2022-10-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/10/25/what-is-the-required-documentation-for-gift-funds monthly 0.5 2022-10-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/10/25/what-is-required-for-variable-income-to-be-considered-stable-income monthly 0.5 2022-10-25 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/10/11/what-are-some-examples-of-positive-factors-that-would-support-the-use-of-overtime-bonus-and-commission monthly 0.5 2022-10-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/10/11/how-are-disputed-accounts-on-a-credit-report-considered monthly 0.5 2022-10-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/10/11/what-if-the-borrower-has-not-started-his-job-until-after-the-loan-closes monthly 0.5 2022-10-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/10/11/what-are-the-requirements-for-delayed-financing monthly 0.5 2022-10-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/10/11/if-a-borrower-just-started-receiving-alimony-child-support-or-separate-maintenance-can-it-be-used-as-effective-income monthly 0.5 2022-10-11 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/9/27/your-borrower-recently-sold-personal-property-and-the-funds-are-needed-to-qualify-what-documentation-is-required monthly 0.5 2022-09-27 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https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/9/13/borrower-currently-owns-a-home-and-it-is-listed-for-sale-how-do-i-determine-the-anticipated-equity-from-the-sale monthly 0.5 2022-09-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/9/13/proceeds-from-the-sale-of-personal-assets-are-an-acceptable-source-of-funds-for-down-payment-and-closing-costs-what-documents-need-to-be-provided-for-proof-of-sale monthly 0.5 2022-09-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/9/13/if-the-borrower-owns-and-receives-rent-for-a-single-family-property-but-the-property-is-not-reflected-on-tax-returns-can-rent-be-claimed-as-qualifying-income monthly 0.5 2022-09-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/9/13/borrower-is-a-wage-earner-but-also-receives-trust-distributions-can-these-distributions-be-used-to-qualify monthly 0.5 2022-09-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/9/13/is-it-a-requirement-that-all-purchase-contracts-have-a-lead-based-paint-addendum monthly 0.5 2022-09-13 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/30/if-a-gift-of-equity-is-being-used-is-it-subject-to-interested-party-contribution-limits monthly 0.5 2022-08-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/30/if-the-borrower-receives-an-automobile-allowance-as-part-of-his-pay-structure-can-this-be-used-as-effective-income-to-qualify monthly 0.5 2022-08-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/30/borrower-leases-his-vehicle-and-has-only-6-months-remaining-on-the-term-can-this-debt-be-omitted-from-the-liabilities-since-it-has-less-than-10-months-remaining monthly 0.5 2022-08-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/30/borrower-receives-child-support-for-both-of-her-children-ages-12-and-16-is-this-type-of-income-able-to-be-used-to-qualify monthly 0.5 2022-08-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/30/or-the-most-recent-6-months-borrower-has-started-to-work-overtime-at-his-current-job-which-he-has-held-for-over-5-years-can-this-overtime-be-used-as-income-to-qualify monthly 0.5 2022-08-30 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/16/what-is-private-mortgage-insurance-and-when-is-it-required monthly 0.5 2022-08-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/16/what-are-the-basic-documents-needed-to-start-the-loan-process monthly 0.5 2022-08-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/16/what-are-closing-costs-and-how-much-are-they monthly 0.5 2022-08-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/16/how-much-of-a-down-payment-is-required-to-buy-a-house monthly 0.5 2022-08-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/16/is-a-manufactured-home-eligible-for-financing-if-the-data-plate-is-missing monthly 0.5 2022-08-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/2/can-a-borrower-have-more-than-one-second-home monthly 0.5 2022-08-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/2/can-we-use-the-income-from-a-rental-property-that-does-not-have-a-lease-agreement-the-property-is-an-airbnb-daily-rental monthly 0.5 2022-08-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/2/the-borrower-is-retired-and-is-using-interest-and-dividend-income-to-qualify-what-documentation-is-required monthly 0.5 2022-08-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/2/can-a-veteran-refinance-a-current-va-loan-and-use-the-spouses-entitlement-instead-of-the-entitlement-currently-used-on-the-va-loan monthly 0.5 2022-08-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/8/2/does-va-allow-financing-in-a-condo-project-that-is-not-va-approved monthly 0.5 2022-08-02 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/7/19/the-borrower-has-five-percent-ownership-in-the-company-he-works-for-and-the-title-of-partner-what-is-required-to-document-income monthly 0.5 2022-07-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/7/19/the-borrower-has-an-expired-green-card-what-is-required-to-prove-legal-residency monthly 0.5 2022-07-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/7/19/the-borrower-has-an-itin-number-and-no-social-security-card-the-credit-is-reporting-three-credit-scores-is-this-acceptable monthly 0.5 2022-07-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/7/19/the-borrower-has-a-recent-collection-account-that-is-only-reporting-on-trans-union-can-we-pull-the-credit-with-only-two-credit-bureaus monthly 0.5 2022-07-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/7/19/the-borrowers-credit-report-is-only-reporting-two-credit-scores-is-this-acceptable monthly 0.5 2022-07-19 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/7/6/what-can-be-used-to-prove-fair-market-rent-on-an-investment-property-that-has-a-property-inspection-waiver monthly 0.5 2022-07-06 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/7/5/on-a-purchase-contract-the-seller-is-a-business-is-this-acceptable monthly 0.5 2022-07-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/7/5/the-borrowers-bank-statement-has-a-large-deposit-that-cannot-be-sourced-what-is-required monthly 0.5 2022-07-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/7/5/what-is-required-to-prove-the-borrower-lives-rent-free-with-no-current-housing-expense monthly 0.5 2022-07-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/7/5/on-an-investment-property-purchase-can-the-borrower-use-projected-rental-income-if-the-borrower-has-no-primary-housing-expense monthly 0.5 2022-07-05 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/6/21/what-income-documentation-best-proves-the-percentage-of-ownership-in-a-business monthly 0.5 2022-06-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/6/21/what-are-the-basic-requirements-for-a-qualified-mortgage-qm monthly 0.5 2022-06-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/6/21/what-are-the-8-factors-an-underwriter-must-verify-to-determine-if-a-loan-meets-the-atr-rules monthly 0.5 2022-06-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/6/21/what-are-restricted-stock-units-rsu monthly 0.5 2022-06-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/6/21/how-many-borrowers-at-a-time-can-apply-for-the-same-mortgage-loan monthly 0.5 2022-06-21 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/6/7/what-is-required-in-order-to-use-rental-income-on-a-single-family-investment-property-purchase monthly 0.5 2022-06-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/6/7/the-borrower-just-returned-to-work-after-an-extended-layoff-can-their-income-be-considered-to-qualify monthly 0.5 2022-06-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/6/7/if-the-borrower-had-a-mortgage-foreclosure-that-was-discharged-in-a-chapter-7-bankruptcy-which-date-is-used-for-seasoning monthly 0.5 2022-06-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/6/7/if-a-borrower-is-self-employed-and-receives-both-w2-and-k-1-income-can-both-be-used-to-qualify monthly 0.5 2022-06-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/6/7/how-would-income-be-calculated-when-the-borrower-receives-base-pay-plus-shift-premiums monthly 0.5 2022-06-07 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/5/24/when-a-borrower-has-a-bankruptcy-and-foreclosure-on-the-same-mortgage-which-event-is-used-to-determine-the-waiting-period monthly 0.5 2022-05-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/5/24/what-are-the-waiting-period-requirements-for-chapter-7-or-chapter-11-bankruptcy monthly 0.5 2022-05-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/5/24/what-is-the-required-waiting-period-for-a-foreclosure monthly 0.5 2022-05-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/5/24/what-is-the-business-structure-for-a-sole-proprietor monthly 0.5 2022-05-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/5/24/what-financial-statements-are-commonly-used-by-a-corporation monthly 0.5 2022-05-24 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/5/10/will-fha-allow-use-of-overtime-andor-bonuses-that-have-been-received-for-less-than-2-years monthly 0.5 2022-05-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/5/10/will-fha-allow-unemployment-income-to-be-used-in-qualifying-a-borrower monthly 0.5 2022-05-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/5/10/for-fha-whats-the-waiting-period-for-a-previous-foreclosure-or-short-sale-amp-from-what-date-is-that-calculated monthly 0.5 2022-05-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/5/10/this-student-loan-income-based-repayment-plan-has-a-0-payment-amount-can-that-be-used-to-qualify monthly 0.5 2022-05-10 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/5/10/this-property-is-in-a-flood-zone-what-does-fha-require-for-flood-insurance monthly 0.5 2022-05-10 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https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/4/26/can-cryptocurrency-be-used-for-a-down-payment-on-a-purchase-what-about-reserves monthly 0.5 2022-04-26 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/4/12/what-is-the-business-structure-for-a-corporation monthly 0.5 2022-04-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/4/12/what-is-the-business-structure-for-an-s-corporation monthly 0.5 2022-04-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/4/12/what-is-the-business-structure-for-a-partnership monthly 0.5 2022-04-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/4/12/can-income-from-a-corporation-form-1120-be-used-if-the-borrower-does-not-own-100-of-the-business monthly 0.5 2022-04-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/4/12/what-are-the-rules-when-using-variable-income-for-qualifying monthly 0.5 2022-04-12 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/3/29/what-are-the-four-cs-of-mortgage-underwriting monthly 0.5 2022-03-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/3/29/what-types-of-income-require-tax-returns monthly 0.5 2022-03-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/3/29/does-an-underwriter-need-to-consider-self-employment-income-or-loss-when-using-the-borrowers-primary-source-of-income-for-qualifying monthly 0.5 2022-03-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/3/29/what-is-the-difference-between-non-variablefixed-income-and-variable-income monthly 0.5 2022-03-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/3/29/how-does-the-underwriter-go-about-with-income-analysis-and-whats-being-looked-for monthly 0.5 2022-03-29 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/3/16/the-appraisal-is-marked-subject-to-completion-based-on-a-repair-that-is-needed-what-form-is-needed-to-follow-up-on-this-from-the-appraiser monthly 0.5 2022-03-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/3/16/the-borrower-states-they-have-tip-income-higher-than-what-is-reported-on-the-paystub-year-to-date-what-can-we-use monthly 0.5 2022-03-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/3/16/if-the-borrower-receives-a-tax-refund-but-the-amount-is-considered-a-large-deposit-does-this-have-to-be-sourced monthly 0.5 2022-03-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/3/16/how-do-underwriters-manually-calculate-d-t-i-if-there-is-a-discrepancy-in-the-aus-findings-compared-to-the-loan-system monthly 0.5 2022-03-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/3/16/can-the-borrower-use-ppp-loan-funds-deposited-for-a-down-payment-on-a-purchase monthly 0.5 2022-03-16 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/3/1/if-a-self-employed-borrower-shows-an-increase-in-earnings-on-their-year-to-date-profit-and-loss-can-this-be-counted-in-their-income-calculation monthly 0.5 2022-03-01 https://www.mortgage-underwriters.org/free-ask-the-instructor-mortgage-training-classes/2022/3/1/if-a-borrower-is-on-temporary-leave-from-work-what-income-is-used-for-qualifying-purposes monthly 0.5 2022-03-01 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