Certain expenses on your tax return—especially depreciation—can often be added back to your income when we calculate your qualifying earnings for a mortgage. Depreciation is a non-cash expense. It reduces taxable income for IRS purposes, but it doesn’t actually reduce the money you earned.
The strongest short-term predictor for the next month is usually pending sales and new listings, because closings lag contracts.
Traditionally, homebuyers had two primary mortgage options: fixed-rate and adjustable-rate mortgages. Although the market now offers a wider variety of choices, this article focuses specifically on adjustable-rate mortgages.
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