D Realtor US MART

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D Realtor US MART "Turning Knowledge Into Opportunity." "Your Path to Real Estate Success." "Learn It. Live It. Sell It." "Real Education. Real Knowledge. Real Success."

D-REAL-TOR US MART

08/26/2025

Debt-to-income does not include monthly utility bills.

08/26/2025

PUD = Planned Unit Disclosure

08/26/2025

A borrower's income is not use to determinate "credit scores"

08/26/2025

HELOC = Home Equity Line of Credit

08/26/2025

Pre-Payment Penalty must be disclosed at LE and CD

08/26/2025

A gift from seller to borrower is not allowed.

08/26/2025

FHA bankruptcy discharge is 2nyrs (Chapter 7)

08/26/2025

5/25 or 7/23 looks like a Balloon Mortgage

08/26/2025

Margin "never" change in an ARM, the Index could change.

08/26/2025

Initial "guarantee fee" in a USDA loan is 1%, after .35%

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Denver, CO

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