Mortgage Minutes

When it comes to home financing, Ruby has heard many questions, lots of concerns, and has witnessed much confusion.  These short videos provide basic answers to common home lending questions.  Mortgages and refinancing are not always the easiest subjects to understand, so watching a quick video on a subject you need more info about can help set you on the right track. When these videos spark new questions as you move toward financing, please reach out to us! We’re happy to help answer your questions.   

Qualifying Income Series (Pt 4): Retirement Income

We've talked about W2 income and Self-employment types and this week we throw off the...
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Qualifying Income Series W2 Income Part 3: Self employment

Income from self-employment often has the widest margin between what a person actually takes home...
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Mortgage Minutes: Getting your ducks in a row for a Pre-Approval

The order in which you things when buying a home can really impact whether you...
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Mortgage Income: An Introduction to Qualifying Income

Your income does not directly translate to the income your loan officer or an underwriter...
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Mortgage Minutes: Qualifying Income Overview Series: W2 Income (Part 1)

What is W2 income? Simply put it's income earned by working for a business you...
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Qualifying Income Series W2 Income Part 2: The funky stuff

Last week we looked at the basics of W2 income; fixed and variable, salary, hourly,...
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Mortgage Minutes: What is Waiving Impounds?

Let's talk about impounds. Also called an escrow account or tax and insurance reserves (reserve...
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Mortgage Minutes: Breaking down the Types and Timing of Mortgage Documentation

From the time you apply until the time you close on your new home, you're...
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Mortgage Minutes: Asset Documentation

While the complexity of your personal financial situation can be reflected (generally) in the complexity...
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Mortgage Minutes: The story of Chris & Kelly – how buying now costs less than waiting

There are a lot of voices out there looking at rates and saying that now...
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