by Tevis Durbin | Jun 1, 2026 | Mortgage
A bank mortgage decline does not mean you cannot buy. It often means you found the wrong lender first.Banks tighten their credit appetite during uncertain markets, pulling back from loan types outside their core product menu. They also turn away genuinely qualified...
by Tevis Durbin | May 28, 2026 | DPA
Indiana condo buyers using IHCDA down payment assistance must meet an additional approval requirement beyond Fannie Mae, Freddie Mac, or HUD. A separate review from US Bank, acting as IHCDA’s master servicer, must be completed before the assistance funds are...
by Tevis Durbin | May 25, 2026 | VA Loans
Veterans who used their VA loan to buy a home in 2019, 2020, or 2021 are sitting on something valuable. Most do not realize it still works. You can use your VA benefit a second time while keeping your first home.Whether that second purchase comes with zero down...
by Tevis Durbin | May 21, 2026 | Home Financing
Self-employed borrowers in Indiana often face a common problem when applying for a mortgage. They’re often told they do not qualify because legitimate deductions have reduced their taxable income.The 1099 mortgage program addresses this issue by evaluating gross...
by Tevis Durbin | May 18, 2026 | Home Financing
Most real estate investors arrive at the same idea: buy through an LLC so the loan stays off their personal credit. It sounds logical, feels protective, and is almost always wrong.LLC vesting in Indiana DSCR loans determines what appears on the deed, not who is...
