Carolina Mortgage Insights with Paul Mattos
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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.
Can I Use VA Benefits More Than Once?
Your VA home loan benefit can often be reused. Learn when entitlement may be restored, how remaining entitlement works, and what to check before buying again.
Can VA Buyers Pay Closing Costs?
VA buyers can pay closing costs, and sellers may help cover them. Learn how seller credits, the 4% concessions rule, and the VA funding fee affect cash to close.
How Commission Income Is Calculated for Mortgages
Commission income can qualify for a mortgage, but lenders may average it differently than buyers expect. Learn how W-2 and 1099 commissions are reviewed, how declining income affects approval, and which documents you may need.
Can Travel Nurses Buy a House?
Travel nurses can buy homes, but contracts, overtime, employment gaps, and tax-free stipends require careful review. Learn how lenders evaluate travel nurse income and which documents to prepare before applying.
Can Nurses Use Overtime Income for a Mortgage?
Nurses can often use overtime, shift differentials, bonuses, and PRN earnings to qualify for a mortgage. Learn how lenders average variable income and what happens when overtime is declining.