210 Mortgage

09/09/2026

Already have a VA loan and want to buy another home?

You may still have remaining VA entitlement.

Some Veterans can retain their current VA-financed property and use remaining entitlement toward another primary residence. Depending on the calculation, a down payment may or may not be required.

The answer depends on the entitlement already used, proposed loan amount, location, occupancy, and overall qualification.

See how the calculation works:

Learn how remaining VA entitlement can help you buy another home, how the available guaranty is calculated, and when a down payment may be required.

09/07/2026

What can you do when an appraisal comes in lower than expected?

You may be able to request a reconsideration of value—but the request needs more than an opinion.

The strongest requests identify factual errors, stronger comparable sales, missed property features, or adjustments that do not appear supported by the market.

A reconsideration does not guarantee a higher value. It gives the appraiser relevant evidence to review.

Learn how the process works:
https://210mortgage.com/reconsideration-of-value-challenging-low-appraisal/

09/04/2026

Does an easement automatically lower a home’s appraised value?

No.

The answer depends on where the easement is located, what rights it grants, and whether buyers in that market view it as a problem.

An easement may have little effect if it does not interfere with the home, yard, access, or future improvements. It may matter more if it prevents a pool, workshop, addition, or normal use of the property.

Learn how appraisers evaluate the issue:

Learn how easements affect appraised value, marketability, property use, access, improvements, comparable sales, and mortgage approval in Texas.

09/02/2026

Thinking about applying for a mortgage without your spouse?

In Texas, that does not always mean your spouse’s financial obligations disappear from the file.

Some loan programs may require the lender to review a non-borrowing spouse’s debts because Texas is a community-property state. At the same time, the spouse’s income generally cannot be used unless they become a borrower.

That can create an unexpected qualification issue.

See how the rules work:

Learn how mortgage qualification with a non-borrowing spouse works in Texas, including community-property debts, credit, income, title, and closing rules.

08/31/2026

Do you receive VA disability, Social Security, child support, disability benefits, or another form of nontaxable income?

Your lender may be able to use an adjusted amount when calculating mortgage qualification.

This is commonly called “grossing up” the income.

The adjustment is not automatic, and the permitted calculation can vary by loan program. The lender must verify which portion is actually nontaxable and how long the income will continue.

Learn how the calculation works:

Learn how nontaxable income and mortgage qualification work, including gross-up calculations, eligible income sources, documentation, and loan-program rules.

08/28/2026

Receiving workers’ compensation does not automatically prevent you from qualifying for a mortgage.

The lender will need to understand whether the benefit is temporary or continuing, when you expect to return to work, and what your income will be after returning.

A benefit statement alone may not be enough. Employment verification, return-to-work documentation, pay information, and financial reserves may all matter.

Read what lenders evaluate:

Learn how workers’ compensation income and mortgage qualification work, including temporary benefits, return-to-work plans, documentation, and income gross-up rules.

08/26/2026

Found a pipeline marker on a Texas property you want to buy?

Do not assume the home cannot be financed—but do not ignore it either.

You will want to determine where the pipeline and full easement are located, whether any structures cross the easement, what future improvements are restricted, and whether the title company and lender can accept it.

An online map or pipeline marker will not establish the exact location.

Here is what to review before closing:

Learn how pipeline easements affect mortgage approval in Texas, including appraised value, title, surveys, property use, safety, and lender requirements.

08/24/2026

Have you been told that every self-employed borrower must wait two years before qualifying for a mortgage?

That is not always true.

Some borrowers with at least one full year of self-employment income on their tax returns may qualify sooner when their previous work was in the same or a similar field.

The lender will also review current business performance, income trends, debts, liquidity, and whether the business can continue supporting the income.

Learn when a shorter history may work:

Learn how mortgage approval with less than two years of self-employment works, including tax returns, prior experience, income trends, and loan options.

08/21/2026

Just graduated and starting your first professional job?

You may not have to wait two years before buying a home.

Depending on the loan program, your education may help establish your recent history while an accepted offer letter or new job provides the qualifying income.

The lender will still need to review your start date, compensation, student loans, credit, funds for closing, and any conditions attached to the job offer.

Graduation itself is not the obstacle many borrowers think it is.

Learn what is actually required:

Learn how mortgage approval after college graduation works, including education history, new employment, offer-letter income, student loans, credit, and down payment.

08/19/2026

Paid hourly and wondering whether you can qualify for a mortgage?

You can—but your lender needs to review more than your hourly rate.

If your schedule is fixed or your employer guarantees minimum hours, the calculation may be straightforward. If your hours change every week, the lender may need to average your earnings.

Overtime, night-shift differential, recent raises, and unpaid leave can also change the final number.

Before choosing a price range, make sure your preapproval uses income that can survive underwriting.

See how hourly income is calculated:

Learn how hourly income and mortgage qualification work, including fixed and variable hours, income averaging, pay raises, overtime, job changes, and underwriting.