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 | Daily |
|---|---|---|---|---|---|
| Issues | 94 | Founded | a year ago | Last Issue | 8 days ago |
| Active | |||||
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jswhaldo.substack.comLatest Issues
Give Me Credit Episode 39
If you’ve been trying to make sense of today’s mortgage options, you’re not alone.
In this episode of Give Me Credit, John turned the microphone on me, and we dug into two of the most misunderstood topics in lending right now: Adjustable R...
When FHA and USDA Closed the Door on Non-Permanent Residents
For years, FHA financing provided a path to homeownership for certain non-permanent residents, including DACA recipients and borrowers with valid work authorization. Many qualified the same way any other borrower would qualify: documented i...
Give Me Credit Episode 38
Most people think credit is just a number sitting quietly in the background of their lives. A tool that measures behavior and spits out a score. But the more time you spend inside this system, the harder it is to pretend it is passive.
Cre...
What the New Appraisal Changes Mean for Your Home Value and Loan Approval
Last week, we talked about how appraisals actually work. Not the version people assume, and definitely not the one you see on automated sites. We walked through how value is developed, how comparable sales are used, and why adjustments shou...
Give Me Credit Episode 37
You fix your credit report.
Or at least, you think you do.
The balance shows zero.
The account says settled.
The bankruptcy is discharged.
And then… it shows up again.
In this episode of Give Me Credit, we brought back attorney Jac...
Audience Metrics
Subscribers, engagement, traffic and sponsorship for Mortgage Lending Explained.
| Subscribers | Engagement | 76 | 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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