Mortgage Lending Explained
J.S. Whaldo, John A Mackey, Gerry WestonClear, expert guidance on mortgage rules, approvals, and what lenders look for to assist buyers and professionals in navigating the lending process. Written by a 30-year underwriting pro. Subscribe to feel confident, not confused.
| Platform |  | Pricing | Only free issues | Publishes | Twice weekly |
|---|---|---|---|---|---|
| Issues | 119 | Founded | a year ago | Last Issue | 6 days ago |
| Active | |||||
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jswhaldo.substack.comLatest Issues
Give Me Credit Episode #17 - Summer Encore
As our Summer Encore series nears its end, we’re revisiting one of our most timely conversations.
Buy Now, Pray Later takes a hard look at the world of Buy Now, Pay Later (BNPL) loans and why they deserve far more attention than they get....
How Lenders Calculate Your Mortgage Qualifying Income: Salary, Hourly, Overtime/Bonus Explained
Bringing This One Back
Some articles clearly hit a nerve, and this one has been my most-read article to date. So, as summer winds down and we head into Labor Day and the fall homebuying season, I’m bringing it back for anyone who misse...
Give Me Credit Episode 27 - Summer Encore
This week we’re bringing back one of our most eye-opening episodes of Give Me Credit.
If you’ve ever checked your Credit Karma score and wondered why it didn’t match what your lender pulled, this Summer Encore is a must-listen. John Mackey...
The Mortgage Payment Is Not the Cost of Owning a Home
When people talk about buying a home, the conversation almost always starts with the mortgage. What interest rate can you get? How much will your principal and interest payment be? How much money do you need for a down payment? How much hou...
Give Me Credit Episode 42 - Summer Encore
This week, we’re bringing back one of our most thought-provoking conversations.
Ethics professor Neil Tift joined us to discuss something most people never think about until it affects them: the ethics behind algorithmic credit systems.
A...
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Audience Metrics
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| Subscribers | Engagement | 69 | Monthly Web Visits | ||
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| Accepts Sponsors | Estimated Cost per Ad | ||||
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Authors
The writers behind this newsletter.
I’m J.S. Whaldo, a mortgage underwriter for over 30 years. I explain guidelines, loan decisions, and how to avoid surprises for homebuyers, Realtors, bankers, and mortgage professionals. Co-host of the podcast Give Me Credit.
Winner of Marquis Who's Who, John Mackey, founder of CreditGeni.us, Master Credit Solutions, US Credit Project, and Give Me Credit Media, is a leading expert in credit restoration, FICO scoring, and debt collection.
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