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What is credit re-score?
A rapid update to credit reports after corrections.
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What is minimum down payment?
Ranges from 0% to 20%+ depending on loan type.
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Does employment gap affect approval?
Gaps may require explanation but are not automatic denials.
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What is residual income?
Income left after debts, used primarily for VA loans.
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Can bonus or overtime income be used?
Yes, if consistent and documented.
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Can commission income be used?
Yes, with history and stability.
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How long must rental income be documented?
Typically one to two years, depending on loan type.
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Can retirement income qualify?
Yes, if ongoing and documented.
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Can disability income qualify?
Yes, if stable and continuing.
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Can trust income qualify?
Yes, if distributions are documented.
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