Jeff delineates the moving parts that determine how you qualify for the lowest rate based on your specific circumstances – how credit scores are used, what makes up the rates, and the external economic factors that come into play. His guests this week:

– Charles Giscombe of Malibu Funding believes that, with the forbearance moratorium ending this year, it’s a good opportunity to get into the market with less than perfect credit and non-QM loans.

– Parzad Razi from N2 Funding sheds light on how manual underwriting and low FICO score programs are helping people qualify for loans that wouldn’t otherwise be eligible.

– Rebekah Fitzgerald of Keller Williams talks about building your own business and exploring the different avenues that are available in the area of real estate.