https://folkshomeloans.com/blog Straight answers on home loans from LaTrena Folks — a former FHA underwriter with 25+ years in the mortgage industry, licensed in Texas and New Mexico. en-us Thu, 10 Sep 2026 00:00:00 GMT https://folkshomeloans.com/blog/what-underwriters-actually-look-for https://folkshomeloans.com/blog/what-underwriters-actually-look-for The person who decides whether your loan gets approved is reading for four things. Here is what they are, from a former FHA underwriter. Thu, 10 Sep 2026 00:00:00 GMT approval process https://folkshomeloans.com/blog/rate-shopping-without-wrecking-your-credit https://folkshomeloans.com/blog/rate-shopping-without-wrecking-your-credit Comparing lenders is smart and it does not stack up credit damage — as long as you understand how the scoring models treat mortgage inquiries. Sat, 22 Aug 2026 00:00:00 GMT credit shopping