Chris Andiorio - NMLS #1192923 - Movement Mortgage

09/09/2026

10k to help our Veterans! Just a small part of the impact we make at Movement Mortgage when you choose to work with us!

09/03/2026

🚨 BIG FANNIE MAE RENTAL INCOME CHANGES — THIS MATTERS!

Fannie Mae just updated its rental income guidelines, and there are some significant changes that real estate investors, landlords, homebuyers, and REALTORS® need to know about.

The changes are available for lenders to use now and become mandatory for applications dated November 1, 2026 and later.

Some of the biggest changes include:

🏠 NEW LEASE REQUIREMENTS
• Minimum lease-term requirements for certain newly executed leases
• New requirements regarding when the first rent payment must be received
• Leases with family members or interested parties are restricted in certain situations
• Stronger requirements to prove the lease is actually in effect

🏡 SHORT-TERM RENTALS
• New rules for qualifying short-term rental income
• A 50% factor applies to certain projected short-term rental income
• In some situations, short-term rental income can only be used to offset the property’s PITIA

🔑 DEPARTING RESIDENCES
Planning to keep your current home and turn it into a rental when you buy your next home?

This is a BIG one.

• Lease agreements are no longer permitted to establish rental income for a departing residence
• Market rent must be established instead
• Certain borrowers may need 6 months of PITIA reserves
• Positive rental income may be limited to offsetting the departing property’s PITIA

💰 BUYING AN INVESTMENT PROPERTY WITHIN 45 DAYS
There are also new rules for investment properties purchased within 45 days of the subject property.

• Lease agreements aren’t permitted to establish the rental income
• Market rents must be documented
• Positive rental income is limited to a PITIA offset
• New market-rent reconciliation requirements apply

👉 Bottom line: Rental income is still a powerful tool for qualifying for a mortgage — but the documentation and calculation rules are becoming more specific.

If you’re a REALTOR® with clients who own rental properties, are buying an investment property, or are planning to convert their current home into a rental, these changes could affect how we structure and qualify the loan.

Don’t wait until November to learn the new rules.

As always, reach out to me before writing the offer or making the financing decision. The earlier we look at the rental income, the better.

— Chris Andiorio
Andiorio Mortgage Lending Team

Official Fannie Mae source: Fannie Mae — General Rental Income Information⁠

09/02/2026

🌳 LAND LOAN FINANCING AVAILABLE 🌳
Looking to purchase land? We may be able to help.

✅ 10-Year Fixed Rate Financing

✅ Loan Amounts from $50,000 to $500,000

✅ Up to 80% Financing Available

✅ Minimum 680 Credit Score

✅ Purchase & Rate/Term Refinance Options

✅ Up to 20 Acres

✅ No Immediate Requirement to Build

✅ Recreational, Agricultural & Vacant Land May Qualify

✅ No Prepayment Penalty

08/28/2026

5.0 star review received on Experience.com for Chris Andiorio by Seth P - Easy process that made the home buying process simple.

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08/27/2026

5.0 star review received on Experience.com for Chris Andiorio by Desiree R - Chris is truly top notch. He is incredibly thorough from the very beginning, which helps identify potential issues early and keeps the lending process moving smoothly. Every client I’ve referred to him has had wonderful things to say about his kind demeanor, welcoming personality, and ability to make what can be a stressful process feel much easier.
As a Realtor, communication and reliability from a lender are incredibly important to me, and Chris consistently delivers. If speed, precision, and great client care are what you’re looking for, Chris is the answer. I wouldn’t hesitate to recommend him!

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08/27/2026

5.0 star review received on Experience.com for Chris Andiorio by James G - They were on top of everything. Very timely and professional. They made the process very smooth.

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08/26/2026

5.0 star review received on Experience.com for Chris Andiorio by Priscilla S - Knowledge and expertise onodels that would support our needs

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08/24/2026

5.0 star review received on Experience.com for Chris Andiorio by Raymond G - Chris was very communicative during the whole process. He was always available to answer the many questions we had

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08/19/2026

5.0 star review received on Experience.com for Chris Andiorio by Jorden D - Chris checked in with us through every step of the process.

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08/16/2026

5.0 star review received on Experience.com for Chris Andiorio by Derek D - He was great at helping us get our forever home when we needed the

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