MortgageLoans.net
What would you like to understand about mortgages?
Knowledge Domains
Qualification & IncomeIncome calculation, DTI, assets, pre-approval
Credit & RiskCredit scores, risk factors, credit repair
Loan ProgramsFHA, VA, USDA, conventional, jumbo
Investor FinancingInvestment property loans, DSCR, portfolio
Property TypesSingle-family, condo, multi-unit, manufactured
Costs & Financial MechanicsClosing costs, points, rate locks, APR
Insurance, Flood & DTIPMI, flood zones, insurance requirements
Mortgage ProcessApplication to closing, documentation
Special SituationsDivorce, bankruptcy, foreign nationals
Regulatory FrameworkQM rules, fair lending, compliance
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How Lenders Calculate Income
The foundation of mortgage qualification — understand how lenders evaluate your earnings.
Debt-to-Income Ratio (DTI)
One of the most important numbers in mortgage qualification. Learn how it’s calculated.
Pre-Qualification vs Pre-Approval
Understand the difference and why it matters for your mortgage timeline.