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Self-Employed and Ready to Buy a Home? Here’s How Lenders Judge Your Hustle

So youā€™ve been out here grinding. LLC in the bio. Invoices flying. Taxes paid (hopefully). And now youā€™re ready to take that next big step: buying a home. Whether youā€™re aiming for that VA, FHA, USDA, or Conventional loan, thereā€™s…

Before You Buy a House: Letā€™s Talk Upfront Fees (a.k.a. the “Not-So-Free” Part of Homebuying)

Lookā€”buying a house in Texas is exciting. But just like that $20 you thought youā€™d spend at Target turning into $120, buying a home comes with some surprise charges too. Iā€™m talkinā€™ upfront fees that are necessary, but often misunderstood.…

W-2 to 1099? Donā€™t Let That Job Switch Wreck Your Home Loan Dreams

So youā€™re out here trying to secure the bag and the house. Respect. Maybe your job offered you a switch to 1099 statusā€”more freedom, bigger checks, fewer taxes upfront. Sounds like a win, right? Wellā€¦ maybe or maybe not if…

šŸšØ Donā€™t Let Zelle Fumble Your Keys: Preparing A Bank Account 3 Months Before Buying a Home

You ever been this close to your dream houseā€”already picturing the grill in the backyard, neighbors peeking at your fresh ā€œWelcome-ishā€ matā€”only to get flagged by… your own bank statements?Ā  Yeah, it gets real. That random Cash App from your…

When Do Mortgage Documents Expire?

Because Yes, Lenders Are That Picky…Youā€™ve gathered your paystubs, bank statements, and credit reports like a champion. Youā€™re ready to buy a house! But waitā€”before you strut into the lenderā€™s office with confidence, did you know these documents come with…

Down Payment vs. Closing Costs: Whatā€™s the Difference & How Much Do You Really Need?

So, youā€™re gearing up to buy a home in the Houston suburbsā€”maybe in Katy, Sugar Land, The Woodlands, Cypress, Richmond, Fulshear, or Pearlandā€”and you keep hearing about down payments and closing costs. But waitā€¦ arenā€™t they kinda the same thing?…

Special Purpose Credit Programs (SPCP) Cancelled: What This Means for Your Mortgage Rate and Down Payment

If youā€™re gearing up to buy a home in Katy, Sugar Land, The Woodlands, Cypress, Richmond, Spring, Tomball, Fulshear, or Pearland, 2025 just threw a curveball your way. And no, itā€™s not a plot twist from a real estate reality…

Navigating the FHA’s New Residency Requirements: What Houston Suburb Homebuyers Need to Know

Hello, future homeowners of Katy, Sugar Land, The Woodlands, Cypress, Richmond, Spring, Tomball, Fulshear, and beyond! If you’re dreaming of settling into a new house or home in one of Houston’s charming suburbs this summer, there’s a crucial update you…

FHA Appraisal Changes in 2025: What Houston Suburb Homebuyers Need to Know

If youā€™re looking to buy a home in Katy, Sugar Land, The Woodlands, Richmond, Pearland, Fulshear, or Cypress, you may have heard that the FHA appraisal process just got a shake-up. But what does that actually mean for you? Are…

Child Support & Home Loans: What Every Houston-Area Buyer Needs to Know

Buying a home in Katy, Sugar Land, The Woodlands, Cypress, Richmond, Fulshear, Pearland, or anywhere in the Houston suburbs? Youā€™ve got your finances in check, your dream home in sightā€”but wait! Child support payments can play a bigger role in…

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