Carolina Mortgage Insights with Paul Mattos
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What Happens If My Loan Is Denied?
A mortgage denial may have a fix, but time matters if you are under contract. Learn what to ask the lender, how to protect deadlines, and what options to review.
Can Bonus Income Count for a Mortgage?
Bonus income may help you qualify for a mortgage, but lenders review its history and trend. Learn what documents to gather and how a usable amount is evaluated.
Can I Qualify for a Mortgage With Overtime Income?
Overtime may help you qualify for a mortgage. Learn how lenders review your earnings history, calculate a monthly amount, and handle changing hours.
Can I Get a Mortgage After Late Payments?
Late payments do not always end your homebuying plans. Learn what lenders may review, how to check your credit report, and what to do before applying.
Can I Buy a House After Divorce?
Buying a home after divorce is possible. Learn how support payments, joint debts, credit, and settlement funds can affect mortgage qualification.
How Student Loans Affect Mortgage Approval
Student loans do not automatically keep you from buying a home. Learn how monthly payments, deferment, and income-driven plans affect mortgage qualification.
What Is Debt-to-Income Ratio?
Debt-to-income ratio compares your monthly obligations with your gross income. See a simple example and learn which payments lenders consider when you buy a home.
How Much Debt Is Too Much for a Mortgage?
How much debt is too much to buy a house? Learn why lenders review monthly payments, income, and credit—and when paying off debt may help.
Can I Buy a House With Credit Card Debt?
You can buy a house while carrying credit card debt. Learn how minimum payments and credit utilization affect a mortgage—and when paying down cards may help.