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Before you lend money, it is important to establish the financial worthiness of your client. Traditionally, that was done by checking the client’s credit rating and asking for a copy of his tax return, but that only tells you part of the story. Tax Returns While it
After the housing market crash of 2008, lenders have increased the amount of verification needed to qualify for a mortgage loan. One of the current requirements is form 4506-T, which is an IRS form that requests a tax transcript. This form has been in use
Americans who spend 2,500 hours per year engaging in work and all its related demands (commuting, studying, etc.) can determine the value of their time by assessing their yearly total income. Those who net roughly $12,000 can value an hour of their time at a
The process of getting a mortgage starting from the process of applying for a loan until you close on your property is a long and winding road. The first step is to gather information about the process and apply for a loan through a bank