Mortgage Lending Explained
J.S. Whaldo, John A MackeyClear, 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 | 104 | Founded | a year ago | Last Issue | 6 days ago |
| Active | |||||
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jswhaldo.substack.comLatest Issues
Give Me Credit Episode 45
For years, consumers have been told that credit bureaus are neutral scorekeepers. But what happens when the company grading your financial behavior is also earning commissions from the loans and credit cards it recommends?
In Episode 45 of...
Alternative Mortgage Loans Explained
Lately, I’ve been receiving more questions from both consumers and Realtors about alternative mortgage loans. I think that’s because buyers are slowly returning to the market despite higher interest rates, and many are discovering that trad...
Give Me Credit Episode 44
When people hear the word “judgment,” they often assume the winner automatically collects the money. Attorney David Cox returns to Give Me Credit to explain why reality is much more complicated.
In this second conversation with David, we d...
Give Me Credit Episode 43
Most people think a home appraisal is just another box to check during the mortgage process.
It is not.
In our latest episode of Give Me Credit, we break down what an appraisal actually is and why it can completely change the direction of...
Your Credit Score Is No Longer a Snapshot
For more than 30 years, I made lending decisions using credit reports, credit scores, and underwriting guidelines that were designed to predict risk. During that time, the formulas behind credit scoring evolved, but the basic concept remain...
Key Facts
Audience Metrics
Subscribers, engagement, traffic and sponsorship for Mortgage Lending Explained.
| Subscribers | Engagement | 70 | Monthly Web Visits | ||
|---|---|---|---|---|---|
| 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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