Credit
Mortgage Options After Bankruptcy - Know What to Expect
Buy a home after bankruptcy with waiting periods of 1-4 years. Learn FHA, VA and conventional requirements after Chapter 7 or 13.
Michael Chen
Credit
How credit affects your mortgage. Tips for improving your score and qualifying with less-than-perfect credit.
6 articles
Credit
Buying a House with Bad Credit - Proven Strategies for Success
You can buy a house with bad credit using FHA loans (580 minimum), VA loans or alternative programs. Learn how to improve approval odds and get better rates.
Lisa Rodriguez
Credit & Qualifying
Credit Card Debt Calculation for Mortgage - Understand Its
Lenders use your minimum monthly payment, not your total balance, for DTI. A $10K balance with $200 minimum counts as $200/month against you.
David Thompson
Credit
Fast Credit Score Improvement for Mortgages - Get Results Quickly
Boost your credit score 50-100 points in 30-90 days. Pay down cards, dispute errors and use rapid rescoring to qualify for better mortgage rates.
Sarah Mitchell
Credit & Qualifying
Home Equity Line of Credit as Mortgage - Key Insights to Consider
Yes, a HELOC is technically a second mortgage secured by your home. It counts as mortgage debt for tax deductions and affects your DTI ratio.
Michael Chen
Credit
Good Credit Score for Home Buying - Standards for 2025
A 620 credit score is the minimum for most mortgages, but 740+ gets the best rates. See requirements by loan type and how to improve your score.
Michael Chen