Rate noteLocking into a falling market without losing the float-down
Three weeks of improving pricing produced more panic in my inbox than any selloff this year. Here is the arithmetic I gave everyone who called.
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Rate notes
What pricing actually did, what changed in the guidelines, and the arithmetic behind both. One note a week, and nothing that pretends to know where rates go next.
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Self-employedThe add-backs your accountant forgot to mention
Your tax return is designed to minimise income. Your mortgage application needs the opposite. Form 1084 is where those two goals meet.
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BuyingWhat actually happens when the appraisal comes in low
Four outcomes, one of which involves a written argument to the appraiser. Here is what each costs and which ones work.
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DocumentationGift funds: the paper trail that actually clears underwriting
Who may give, how much, and the four documents that turn a generous parent into an approved source of funds.
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One email a week, written by me, with the arithmetic attached. Reply to any of them and it reaches me directly.
No promotions and no rate predictions.