Sam Klaburner, NMLS 140132

08/02/2026

New pictures reveal that Christian Bale's $22 million foster care village in California is well underway—and is on track to be completed this year, bringing to fruition the on-screen star's 17-year dream to provide siblings in foster care with a safe space to live together.

08/02/2026

04/08/2025

When a borrower has student loans in deferment, the treatment for qualifying purposes depends on the loan type/program. Here are the most recent agency guidelines for how to handle student loans in deferment:

Conventional (Fannie Mae & Freddie Mac):
Fannie Mae:

Regardless of loan status (deferment, forbearance, or active repayment), a monthly payment must be included.

If a monthly payment appears on the credit report, use that amount.

If not, use documentation from the student loan servicer for the current payment.

If no payment is reported or the report shows $0, you must use:

1% of the outstanding balance or

A fully amortizing payment based on the loan terms or

$0 if documentation from an income-driven plan confirms the actual required payment is $0.

You can exclude the payment from DTI if you have 12 months of canceled checks from a non-interested party making payments, with no delinquencies.

Freddie Mac:

You must include a payment greater than zero in the DTI for all student loans (repayment, deferment, or forbearance).

Use the amount on the credit report or documentation.

If none is listed, follow their prescribed calculation method (often similar to Fannie Mae, but confirm with latest Freddie guidelines).

FHA:
FHA requires a payment to be included in the borrower’s debt calculation even if the loan is in deferment or forbearance.

Use the payment on the credit report if it’s greater than $0.

If $0 is shown or not listed, use either:

0.5% of the outstanding loan balance or

The actual fully amortizing payment, if documented by the loan servicer.

VA:
VA typically requires that you use the payment on the credit report.

If no payment or $0 is shown, lenders must calculate a payment using a reasonable method or obtain documentation of what the future payment will be.

Each VA underwriter may have overlays, so check for specifics.

USDA:
USDA generally requires the greater of:

The payment on the credit report,

Or 1% of the outstanding balance (if no payment listed or $0).

Or documentation from the servicer showing an actual required payment.

Summary Table:

Program Payment to Use for Deferred Loans
Fannie Mae Actual payment, or 1% of balance, or fully amortizing, or $0 if IDR plan with docs
Freddie Mac Actual payment, or calculated per guidelines
FHA 0.5% of balance or actual fully amortizing payment
VA Actual payment or calculated reasonable payment
USDA Greater of actual, 1% of balance, or fully amortizing

26/03/2025

Hey there!
Just sent the pre-approval letter for our buyer. Fingers crossed for an accepted offer ☺️

21/03/2025

21/03/2025

THDA Tennessee Housing and development that they have dropped their interest rates to 6.375% and if you are eligible for the home for Heroes, that rate has dropped to 5.875%

Time to call me to get your pre-approval.

16/03/2025

💥 The Truth About Closing Costs: Don’t Get Finessed! 💥

🔥 Box A – The ONLY thing that matters when comparing lenders.
This is where lenders have control—👉 discount points, origination charges, admin fees. If you’re shopping around, THIS is the box to focus on. 🧐

💡 Boxes B–H – The stuff lenders DON’T control:
These fees are basically the same no matter which lender you use:

✅ Box B – Third-party services (appraisals, credit reports, etc.)
✅ Box C – Title fees (set by the title company YOU choose)
✅ Box E – Government fees (set by the state/county)
✅ Box F – Prepaids (property taxes, homeowners insurance—you’d pay these anyway)
✅ Box G – Escrows (setting up your escrow account—again, NOT a lender fee)
✅ Box H – Title insurance & admin fees (controlled by the title company)

🚨 What’s the catch?
Some lenders lowball Boxes C–H so their loan estimate looks cheaper upfront—but when it’s time to close, those “missing” fees suddenly show up. 🙄👎

I don’t play that game. I’d rather overestimate and come in lower than have you scrambling last minute. 💯

💥 Moral of the story?
If you’re comparing lenders, Box A is the ONLY thing that actually matters. Everything else? It’s gonna be basically the same no matter where you go. 😎

06/03/2025

Table By Pampered Chef