THE ANALYSIS OF YOU

The goal is to make sure there are no surprises in any of these areas.

Your Credit:

  • Analysis on how to raise your score, if needed

Your Income:

  • Determining your Qualifying Income

    • Salary

    • Non-variable v variable hours​

    • Commission/OT/Bonus - two year history

    • Self-Employed:​​

      • how long have you been in business?​

      • is your income declining?

      • have you properly reported your income?

    • Alimony/Child support - three year continuance

Employment:

  • two year history

  • no job gaps greater than 6 months

  • two jobs? Need a two year history for both for FHA loans

Assets:

  • no large deposits that can't be sourced

  • no cash deposits