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Renovation Loan

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FHA 203(k) – Ideal for buyers with limited cash or lower down payments. Perfect for primary residences that need smaller updates or full-scale renovations. Conventional Renovation (HomeStyle or CHOICERenovation) – Great for buyers with stronger credit or those looking for more flexibility, including investment or second homes. Call me today to find your dream home.

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Paying Off Debts

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Here’s what lenders actually look at: Credit score (yes, but not everything) Debt-to-income ratio Payment history Available reserves Paying off debt might drop your reserves or lower your credit due to changes in utilization. That’s why I always tell clients: check in before making big money moves. Call me today to find your dream home.

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Self-Employed Buyers

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While we’ll use tax returns in most cases, if the adjusted gross income is sufficient. Sometimes we need to utilize alternative documentation if the adjusted gross income is too low due to write offs. For example: Bank statements Profit & Loss (P&L) statement 1099s It’s a little different, but absolutely doable. I work with entrepreneurs […]

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