This mortgage contingency clause explained guide shows how a financing contingency lets buyers cancel a purchase contract and keep their earnest money if the loan isn’t approved by the agreed date. It covers how the clause differs from appraisal and inspection contingencies, what happens when a deadline passes, and a worked dollar example.
Best Mortgage Documents for Self-Employed Buyers
Learn which mortgage documents prove self-employed income, how underwriters read them, and when bank statements or a CPA letter can protect your approval.
Duane Buziak on 7 Renovation Loan Types and How to Match Each to Your Project
Duane Buziak breaks down seven renovation loan types, from the FHA 203(k) to cash-out refinancing, explaining who qualifies, how much you can borrow, and how funds reach your contractor. Each option includes the mechanics, common mistakes, and key numbers to watch, followed by a comparison table and FAQ to help you match the right loan to your project.
Duane Buziak Explains the Mortgage After Deed in Lieu Waiting Period by Loan Type (2026)
The mortgage after deed in lieu waiting period is typically about 3 to 4 years, and as little as 2 years on some programs when extenuating circumstances are documented. This 2026 guide breaks the wait down by loan type, explains how the clock is counted, and walks through a $400,000 purchase down payment example.
Can Rental Income Qualify You for a Mortgage?
Can rental income qualify mortgage approval? See how underwriters calculate it, which documents matter, and how to protect your debt-to-income ratio today.
How to Improve Your Credit Score for Mortgage Approval: A Step-by-Step Plan from Duane Buziak
A practical guide to how to improve credit score for mortgage approval.
I Meant to Call Rocket Mortgage but Got a Different Lender: What Duane Buziak Recommends You Do Next
A practical guide to I meant to call Rocket Mortgage but got.
Duane Buziak on Alternatives to Guild Mortgage for Virginia Homebuyers
Virginia homebuyers lternatives to Guild Mortgage fall into three paths: another national direct lender, a local bank or credit union, or an independent mortgage broker who shops hundreds of wholesale lenders. Licensed broker Duane Buziak explains how each works, what a fair side-by-side comparison looks like, and how to decide how many pricing options you want to see before committing.
7 Strategies to Find the Right Mortgage Options for Self-Employed Borrowers in 2026
Finding the best mortgage options for self employed borrowers starts with understanding how lenders calculate qualifying income from tax returns, K-1s, and add-backs. This guide walks through seven strategies covering income calculation, loan program types, and how to compare options without damaging your credit.
Asset Depletion Mortgage Strategy Explained
Asset depletion can turn eligible investments into qualifying mortgage income. Learn the math, program rules, documentation, and tax considerations now.
