Welcome back to another episode of Mortgage Porter Weekly! This week’s update covers new home sales data, home price appreciation, where mortgage rates stand, a packed economic calendar, and an exciting expansion to the Doctor Loan program. [Read more…]
The Mortgage Porter Weekly | New Home Sales Rise, Rates Tick Up & Doctor Loan Expands
July 27, 2026 by Leave a Comment
Mortgage Adoption: No Refinance Required
July 25, 2026 by Leave a Comment
Where did your loan officer go?
A lot of loan officers have left the business over the past couple of years. Volume dried up, commissions followed, and many originators either changed careers or moved to a different lender without telling their old client base. Others are still licensed and technically “in business,” but they’ve gone quiet — waiting for rates to drop far enough to trigger a refi boom before they pick up the phone again. [Read more…]
Nurses & PAs Now Qualify for the Doctor Loan Program
July 24, 2026 by 2 Comments
Nurse Practitioners, CRNAs & Physician Assistants Now Qualify for the Doctor Loan Program
I’m excited to share an update to the medical professional mortgage program: Nurse Practitioners (NP), Certified Registered Nurse Anesthetists (CRNA with DNAP or DNP), and Physician Assistants/Associates (PA) now qualify. This has been one of the more common questions I’ve fielded since the doctor loan program launched — I’ve had nurses reach out in the past hoping to use it, and I wasn’t able to help them qualify. That’s changed, and I’m glad to finally have an answer for them. [Read more…]
Mortgage Reserves: How Much You Need & Where They Come From
July 23, 2026 by 3 Comments
This post explains how lenders calculate post-closing reserve requirements under conventional (conforming) guidelines, and how FHA, VA, jumbo, and Non-QM programs differ. Reserve rules vary by lender overlay, so figures here reflect agency minimums — always confirm current requirements with your loan officer before making financial plans.
What “reserves” actually means
When underwriters talk about reserves, they’re not talking about your down payment or closing costs — those are separate. Reserves are the liquid assets you’d have left after your loan closes: money in the bank that could cover your mortgage payment if your income disappeared tomorrow. [Read more…]
