Emanuel Stewart - Reliant Home Lending

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Emanuel Stewart
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Why Changing Jobs for More Money Can Still Complicate a Home Purchase

Getting a new job with a higher salary sounds like good financial news, especially when you are preparing to buy a home. But if the change happens while you are applying for a mortgage, the timing can create additional questions. Mortgage qualification is not based solely on how much you earn. Lenders also evaluate the stability, history, and documentation of the income being used to qualify.

How a Seller Credit Can Change the Cash You Need Without Changing the Home’s Price

When buyers negotiate the purchase of a home, price often gets most of the attention. But the final sales price is not the only number that can affect how much money a buyer needs at closing. In some transactions, a seller credit can help with certain eligible closing expenses without requiring the seller to reduce the home’s purchase price.

Why a Condo’s Finances Can Matter Almost as Much as Yours When Getting a Mortgage

When applying for a mortgage, buyers expect their income, credit, debts, assets, and employment to receive plenty of attention. Condo buyers can encounter another layer that sometimes comes as a surprise. Depending on the financing being used, the financial and operational condition of the condominium project itself may also matter.

What Happens When the House You Want Has a Solar Loan Attached to It?

Solar panels can be an appealing feature when shopping for a home, especially for buyers interested in energy efficiency. But seeing panels on the roof does not tell you who owns them or whether money is still owed. If the solar system was financed, the outstanding obligation can become an important part of the home purchase conversation.

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8550 United Plaza Boulevard Suite 702
Baton Rouge, LA 70809