Money, credit & equity
Debt-to-income, self-employed income and tapping equity: how lenders read your finances.
Self-employed? A 90-day prep plan for a bank-statement loan
What to clean up in the three months before applying with bank statements instead of tax returns: deposits, accounts, transfers and letters.
HELOC or cash-out refinance? A blended-rate worksheet
How to compare adding a second lien with replacing your first mortgage: blended cost, closing costs and term.
Debt-to-income ratio: a worked example
How lenders calculate front-end and back-end DTI, which debts count, and a worked example you can redo with your own numbers.