Mortgage Solutions Financial-Garry Marshall

06/01/2026

Be Smart Don't Buy

06/01/2026

BE Smart Don't Buy

05/28/2026

05/23/2026

🏡 What Are Underwriters REALLY Looking For In Your Income Documents? 👀

When applying for a mortgage, underwriters look at much more than just your paycheck. They want to see stability, consistency, and the full financial picture.

Here are some of the key things they review:

✔️ Consistent & Stable Income
✔️ 2-Year Employment History
✔️ Pay Stubs, W-2s & Tax Returns Matching
✔️ Overtime, Bonus & Commission History
✔️ Self-Employment Income Stability
✔️ Large Bank Deposits
✔️ Debt-to-Income Ratio
✔️ Overall Financial Patterns & Red Flags

💡 The cleaner and more organized your documents are, the smoother the mortgage process can be.

A strong loan file is not always about making the most money — it’s about showing stable, reliable income.

If you have questions about qualifying for a home loan, feel free to reach out anytime! 📲

05/21/2026

**VA Tip of the Day 🇺🇸🏡**

ANYONE can pay for repairs required by a VA appraisal.

The seller can pay.
The buyer can pay.
The lender can pay.
A realtor can even contribute in some situations within guidelines.

Far too many people still incorrectly believe “the veteran is not allowed to pay for repairs.”

That myth has killed deals that never should have died.

Knowing actual VA guidelines instead of repeating internet myths helps veterans win in competitive markets

05/20/2026

🇺🇸 VA TIP OF THE DAY 🇺🇸

Did you know that on a VA loan, a borrower may be able to use their spouse’s income even if the spouse is not on the loan?

That’s right!

If the spouse has stable, verifiable income, many lenders can consider that income to help the veteran meet the VA’s residual income requirements.

✅ Helps strengthen the overall application
✅ Can improve qualification chances
✅ Keeps the loan in the veteran’s name only
✅ Great option if the spouse does not want to be obligated on the mortgage

This is one of the many flexible features that makes VA financing such a powerful benefit for our veterans and active-duty service members.

As always, lender guidelines can vary, so it’s important to work with a loan officer who understands VA loans inside and out.

Have questions about VA financing? I’d be happy to help!

05/14/2026

Manual underwriting VA & FHA loans