Blog – Mark Feder

30 Dec 2025

How the Sharing Economy Is Changing Mortgage Underwriting

Mortgage Tips

The rise of the sharing economy has changed the way many people work, earn, and budget. Income from rideshare driving, freelance projects, short-term rentals, and delivery apps has become a normal part of modern finances. These new income streams are helpful for building savings and paying bills, but they also affect how lenders view your mortgage application. Understanding how the sharing economy influences underwriting can help you prepare for a smooth approval process. Know How Lenders View Non-Traditional IncomeIncome from rideshare apps, delivery platforms, online marketplaces, and short-term rental hosting does not flow through a traditional payroll system. Because of…

26 Dec 2025

By Mark Feder

How Real-Time Income Verification Is Changing Mortgage Approval

Mortgage Tips

Mortgage approval used to require weeks of gathering documents, submitting pay stubs, waiting for HR departments to respond, and hoping everything lined up perfectly. Today, more lenders are moving toward real-time income verification, a faster and more accurate way to confirm your income during the mortgage process. This shift is making the approval timeline smoother for buyers and giving lenders a clearer picture of your financial situation. Understand What Real-Time Income Verification MeansReal-time income verification allows lenders to confirm your employment and income instantly through secure digital systems. Instead of relying on paper documents, lenders use approved payroll databases to…

24 Dec 2025

By Mark Feder

How Medical Collections Affect Mortgage Approval

Mortgage Tips

Medical bills are one of the most common reasons people face unexpected debt, and many borrowers are surprised when they see a medical collection appear on their credit report. Even though medical debt is often caused by emergencies rather than irresponsible spending, it can still impact your mortgage application. Understanding how lenders view medical collections can help you prepare, protect your credit, and move confidently toward homeownership. Know How Medical Collections Appear on Your Credit ReportMedical bills usually start with your healthcare provider, then move to a collection agency if they go unpaid. Once the account goes to collections, it…

23 Dec 2025

By Mark Feder

How Buy Now Pay Later Debt Can Affect Your Mortgage Application

Mortgage Tips

Buy Now Pay Later services have become a popular way to spread out small purchases, and for many buyers, these plans feel harmless. The payment amounts are usually small, the approval process is quick, and the apps are easy to use. What many future homebuyers do not realize is that Buy Now Pay Later activity can affect a mortgage application in ways that may not be obvious. Understanding how this type of debt shows up in your financial profile can help you prepare before you apply for a mortgage. Understand How Lenders View Buy Now Pay Later AccountsEven though Buy…