Short reads that answer the questions Austin hears most.
20% down is a habit, not a rule. Here’s how the main programs actually approach the money you bring to closing.
What actually happens between “we should buy” and “here are your keys,” in the order it happens.
If your tax returns don’t tell the whole story, traditional underwriting may not either. Non-QM programs look at things differently.
Short answer: not directly. Here’s what actually moves the rate you’re quoted.
