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 | 99 | Founded | a year ago | Last Issue | 8 days ago |
| Active | |||||
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jswhaldo.substack.comLatest Issues
Give Me Credit Episode 42
What happens when credit systems stop seeing people and start seeing patterns?
In this latest episode of Give Me Credit, John Mackey and I welcome ethics professor Neil Tift back to the podcast for a deeper discussion about algorithmic cre...
Give Me Credit Episode 41
Most people think real estate deals fall apart because of the house, but after 30-plus years in underwriting, I can tell you that is rarely where things actually break down. It usually starts earlier in the process with the money behind the...
What I Learned About Reverse Mortgages as an Underwriter
Some mortgage files stay with you.
Not because they were complicated, but because of the people sitting on the other side of the desk.
Over the years, I underwrote reverse mortgages for retirees trying to stay financially afloat in homes...
Give Me Credit Episode 40
This week on Give Me Credit, John Mackey and I sit down with real estate educator Michael Brennan, of The RealtySchool.com, for a conversation that goes far beyond passing a licensing exam.
We explore what real estate professionals are act...
Why Real Estate Transactions Are Not a DIY Project
We live in a time where people are increasingly convinced they can do almost everything themselves. Need legal forms? Download them online. Need tax advice? Ask the internet. Want to buy or sell a house? Open Zillow, watch a few TikToks, as...
Key Facts
Audience Metrics
Subscribers, engagement, traffic and sponsorship for Mortgage Lending Explained.
| Subscribers | Engagement | 72 | 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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