When Your Richmond Mortgage Is Sold or Transferred: What Changes and What Does Not
A servicing transfer changes who you pay and who answers your questions. Here is what the CFPB and Regulation X say stays the same, the…
A servicing transfer changes who you pay and who answers your questions. Here is what the CFPB and Regulation X say stays the same, the…
After you pay off a Virginia mortgage, the lender has 90 days to deliver a certificate of satisfaction or forfeit $500. Here is what the…
How 401(k) loans, IRA first-time homebuyer withdrawals and lender asset rules work for a Richmond-area down payment, based on IRS, Fannie Mae and CFPB pages.
What the 2026 conforming loan limit means for a Richmond-area purchase: the FHFA baseline, the counties checked, how down payment moves the line, FHA and…
How a one-time-close construction-to-permanent loan works, drawn from HUD, Fannie Mae, VA and CFPB pages, and what a lender wants before construction starts.
Lenders usually want a track record before they count overtime, bonus or commission income. Here is what Fannie Mae, FHA, VA and Virginia Housing say,…
A page-by-page guide to the three-page Loan Estimate, which closing costs can rise after you get it, and how to compare lenders on a Richmond-area…
How a gift of equity works when a Richmond-area home is sold within a family: what Fannie Mae, FHA and VA pages say, what lenders…
What Fannie Mae and Freddie Mac say separates a principal residence, a second home and an investment property, and what that changes about down payment…
What the IRS says about excluding gain on the sale of your main home, the two-out-of-five-year tests, partial exclusions and a hypothetical example.