One of the major fallouts from last years mortgage market meltdown is we are having to re-educate everyone on the kinds of loans we can do and the level of documentation required to write such mortgages. I think when I tell people I can not do this or that type of loan, they think I’m [...]

An Arizona Mortgage Guru reader asks: Any hope for expat in Holland? We have lived overseas 8 years and want to move to Summerlin, Vegas. We have no USA credit, no debt, a high income but in Euros, and a 10% down payment. Last mortgage was in the year 2000 ($2400/mo with Countrywide). Dear Expat [...]

A reader reacts to my post titled “Why Lenders Care About Credit Scores” and sends this excellent question: How much more of a positive effect does putting a greater percentage down on the home purchase vs. a low credit score. For example, if I have a credit score of 620, but put down 20% down, [...]