Guides & Insights
Straight answers for buyers and homeowners, from Vivid Mortgages, Inc., a mortgage broker that arranges loans with third-party wholesale lenders rather than selling one bank's product.
A tax return is one accepted way to document self-employment income, and it is not the only one. This guide explains how conventional add-backs, bank statement, 1099, profit and loss and asset-based methods each measure income, what each one gives up, and how to tell which represents a business fairly.
A denial is one lender's decision on one file under one set of rules. Here is how to read the notice you receive, find out exactly which rule stopped the file, and work out what can and cannot be changed.
A co-signer can help some mortgage files, but the words co-signer, co-borrower and non-owner-occupied are often mixed together. This guide explains the differences and the limits.
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