Brandon Butler

Do You Have a Credit Issue that Is Being Disputed?  If you have a credit account in dispute, home loan guidelines will allow some flexibility, so do not let that hold you back from finding out more!  I’m here to help you answer your credit questions.  Have a Question?  Let’s Talk!

Do You Have a Credit Issue that Is Being Disputed?  If you have a credit account in dispute, home loan guidelines will allow some flexibility, so do not let that hold you back from finding out more!  I’m here to help you answer your credit questions.  Have a Question?  Let’s Talk!

Related Article Title: Disputed Account with a Zero Balance and a Late Payment Question: My client has a store credit card with a zero balance and the last late was due to a dispute within the last 24 months.  Do I need to get the dispute removed or can this be ignored? Mortgage Currentcy – […]

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Student Loans & Buying a Home? If you are like a lot of folks, you may be wondering how home lenders count your student loan payments when they are deferred during COVID.  Every situation can be a little different.  Just PM me with questions and I’m happy to help!

Student Loans & Buying a Home? If you are like a lot of folks, you may be wondering how home lenders count your student loan payments when they are deferred during COVID.  Every situation can be a little different.  Just PM me with questions and I’m happy to help!

Related Article Title: Calculating Student Loan Payments in Forbearance & Under Forgiveness Question: My client presently has their federal student loans in Forbearance due to COVID, plus they are in a forgiveness program with a public service program.  How do I calculate a payment for qualifying purposes? Answer: Fannie Mae addresses this situation in the […]

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Attention Union Workers!  We know your income can seem complex to lenders, and we want you to know that we get it. I have worked extensively with Union workers; understand how you are paid and how to document it.  PM me with any questions!

Attention Union Workers!  We know your income can seem complex to lenders, and we want you to know that we get it. I have worked extensively with Union workers; understand how you are paid and how to document it.  PM me with any questions!

Related Article Title: Union Income Calculation & Documentation – Multiply Agency Answers Question: I’ve been in this industry for 20+ years but seem to always get challenged when it comes to union employment verification and acceptable documentation.  Where is there clear guidance on verifying this income short of just asking for 2 years of tax […]

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Home Improvement on Your Mind?  Before you decide how to pay for it, let’s talk!  There are fantastic home loan renovation options that allow you to roll the project into one loan vs. getting a home equity or second mortgage. PM me for more details!

Home Improvement on Your Mind?  Before you decide how to pay for it, let’s talk!  There are fantastic home loan renovation options that allow you to roll the project into one loan vs. getting a home equity or second mortgage. PM me for more details!

Related Article Title: Is a Second Mortgage a Good Option for Home Improvements? Question: My client is considering a second mortgage for a large home improvement project.  He will use all of those funds for the project and then would like to refinance his first and second into a new conventional loan.  Will Fannie Mae […]

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Maximum Rental Periods & Second Homes

Question: My client owns a second home and rents it out minimally throughout the year.  I do not need this income to qualify the borrower.  If they have any rental income on their tax returns, is this still considered a second home? Answer: Fannie Mae’s second home requirements state “If the lender identifies rental income […]

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