# David Mordue — Revolve Mortgage > Personalized mortgage services from David Mordue, licensed in [object Object], [object Object]. Get current rates, run calculators, and connect for guidance. ## Core pages - [Home](https://davidmordue.com/): Overview of services and how to get started - [Apply for a mortgage](https://davidmordue.com/apply): Start a mortgage application - [Contact David Mordue](https://davidmordue.com/contact): Phone, email, schedule a call - [Customer reviews](https://davidmordue.com/reviews): Real client feedback ## Calculators - [Affordability — Conventional](https://davidmordue.com/calculators/affordability-conventional) - [Affordability — FHA](https://davidmordue.com/calculators/affordability-fha) - [Affordability — VA](https://davidmordue.com/calculators/affordability-va) - [Affordability — USDA](https://davidmordue.com/calculators/affordability-usda) - [Affordability — Jumbo](https://davidmordue.com/calculators/affordability-jumbo) - [Refinance calculator](https://davidmordue.com/calculators/refinance) - [Rent vs buy](https://davidmordue.com/calculators/rent-vs-buy) - [Net proceeds](https://davidmordue.com/calculators/net-proceeds) ## Loan types Each loan-type page provides general education and frequently asked questions. It does not provide an approval, eligibility decision, commitment, or rate quote. Program and lender requirements can vary. - [FHA loans](https://davidmordue.com/fha-loans): FHA-insured mortgage education covering minimum investment, mortgage insurance, and lender review requirements. - [VA loans](https://davidmordue.com/va-loans): VA-backed mortgage education covering the Certificate of Eligibility, entitlement, funding fee, and lender review. - [Jumbo loans](https://davidmordue.com/jumbo-loans): Mortgages above the property-specific conforming limit. The 2026 baseline one-unit limit is $832,750, and county or multi-unit limits can differ. - [DSCR loans](https://davidmordue.com/dscr-loan): General investor-loan education covering rental-income and housing-expense calculations plus other program requirements. - [30-year fixed](https://davidmordue.com/30-year-fixed-rate-mortgage): Education about required payments, payoff schedules, total interest, and changing housing costs. - [15-year fixed](https://davidmordue.com/15-year-fixed-rate-mortgage): Education about shorter payoff schedules, required payments, and total interest. - [Adjustable-rate mortgage](https://davidmordue.com/adjustable-rate-mortgage): Education about initial periods, indexes, margins, adjustment schedules, caps, and payment risk. ## Resources - [U.S. Mortgage Broker Fees: 0.5%–2.75% and the $2,000 Tradeoff](https://davidmordue.com/resources/mortgage-broker-fees): U.S. guide to mortgage broker fees: typical 0.5%–2.75% ranges, how to run break-even math to compare borrower versus lender paid costs, plus CFPB rules. - [U.S. FHA Manual Underwriting: Broker Checklist to Close in Under 21 Days](https://davidmordue.com/resources/manual-underwriting-fha): U.S. FHA manual underwriting guidance for borrowers with nontraditional income: what documents to gather, which compensating factors enable 37/47 or... - [Close a VA Loan in Under 21 Days With Broker Ready Documents](https://davidmordue.com/resources/va-loan-requirements): U.S.-focused, broker-tested VA loan requirements: get your COE fast, check entitlement and funding-fee exemptions, and close sooner with broker-ready... - [Close in Under 21 Days: U.S. Mortgage Reserve Rules and Broker Help](https://davidmordue.com/resources/mortgage-reserves-requirements): U.S. mortgage reserve requirements and Fannie Mae minimums: which assets qualify, how to document reserves, and how a broker can speed closing. - [5–10 Year U.S. Interest Only Mortgages: CFPB Risks and Broker Checklist](https://davidmordue.com/resources/interest-only-mortgage): Understand U.S. interest only mortgages, CFPB and OCC cautions, and a broker's checklist to avoid payment shock and test post recast affordability. - [620 Is the U.S. Credit Score Floor for Mortgages: Broker 30–90 Day Fix](https://davidmordue.com/resources/credit-score-for-mortgage): Learn which scores lenders use, why 620 is the conventional U.S. floor and mid 700s get the best rates. Broker-backed 30–90 day prep steps to improve... - [1%–3% Earnest Money vs Down Payment for U.S. First Time Buyers](https://davidmordue.com/resources/earnest-money-vs-down-payment): U.S. first time buyers: learn how earnest money (usually 1%–3%) differs from your down payment, when it is refundable, and how to protect your deposit. - [U.S. Homeowners: Bring 6 Documents to Reverse Mortgage Counseling](https://davidmordue.com/resources/reverse-mortgage-counseling): Practical U.S. checklist: what to bring to reverse mortgage counseling, typical fees $125 to $200, and how to use counseling to compare TALC. - [U.S. Homebuyers: What Cash to Close Really Costs ($7,000–$17,500)](https://davidmordue.com/resources/cash-to-close-meaning): See what cash to close includes, where the Loan Estimate and Closing Disclosure show it, and a worked $7,000–$17,500 example for U.S. buyers. - [U.S. FHA Borrowers: MIP Ends After 11 Years With 10% Down](https://davidmordue.com/resources/fha-mip-removal): Learn whether your FHA mortgage insurance cancels or requires refinancing. Check your origination date, the 10% down/11-year rule, current LTV, servicer... - [U.S. Homeowners: Calculate the Break Even on a No Closing Cost Refinance](https://davidmordue.com/resources/no-closing-cost-refinance): Calculate the break even on a no closing cost refinance using your Loan Estimate. Compare APR, lender credits, and total interest before you sign. - [Reverse Mortgage Closing Costs: What U.S. Seniors Really Pay](https://davidmordue.com/resources/reverse-mortgage-closing-costs): How HUD rules and CFPB guidance drive typical reverse mortgage closing costs to $12,000–$20,000, why cash to close is often under $200, and how net... - [U.S. Buyers: Fund an ITIN Mortgage in Under 21 Days With Broker Help](https://davidmordue.com/resources/itin-mortgage-loans): U.S. buyers: learn how ITIN mortgage loans work—10–25% down and 0.5–2% higher rates—and why a specialist broker can speed preapproval and funding. - [Stop Overpaying VA Funding Fee: 0.5%–3.3% Rates, COE Check (2026)](https://davidmordue.com/resources/va-funding-fee): Updated for 2026: Learn VA funding fee rates (0.5%–3.3%), who’s exempt, how to verify your COE or use Form 26-8937, and the steps to secure a refund. - [Protect Your Credit: Co-signer vs Co-borrower for U.S. Loans, 5 Steps](https://davidmordue.com/resources/co-signer-vs-co-borrower): How co-signers and co-borrowers affect title, credit reports, and removal in U.S. loans. A 5-step checklist plus broker pre-approval options. - [No Federal Tax on Reverse Mortgage Draws: U.S. Seniors Need to Know](https://davidmordue.com/resources/reverse-mortgage-taxes): Reverse mortgage draws aren't federal taxable income. Medicaid's month end asset rule, LESA set asides, and interest deduction timing can affect benefits.... - [Broker Vetted U.S. Mortgage Documents That Speed Preapproval](https://davidmordue.com/resources/documents-needed-for-mortgage): Broker vetted U.S. checklist mapping Fannie Mae and CFPB requirements to practical digital first filing steps. Gather the exact mortgage documents lenders... - [Stated Income Loans Are Gone: 5 Workarounds for U.S. Self Employed](https://davidmordue.com/resources/stated-income-loan): U.S. self employed borrowers: no doc stated income loans ended. Five alternatives and how to qualify using 12–24 months of bank statements. - [15–20% Equity Needed: Lender Checklist for U.S. Home Equity Loans](https://davidmordue.com/resources/home-equity-loan-requirements): A lender checklist for U.S. home equity loans: how 15–20% equity, CLTV and DTI limits, credit minimums, required documents, and appraisal timing affect... - [Catch Costly Errors in Three Days: U.S. Closing Disclosure Safeguards](https://davidmordue.com/resources/closing-disclosure): U.S. borrowers: inspect your five page Closing Disclosure during the three business day window. Use CFPB rules and broker review tactics to catch costly... - [Brokered Funding in Under 21 Days: No Doc Mortgages for U.S. Self Employed](https://davidmordue.com/resources/no-doc-mortgage): Broker led guidance for U.S. self employed borrowers: compare bank statement, asset based, and DSCR no doc mortgage options, costs, and required documents. - [Clear to Close Meaning: Final Three Business Days for U.S. Buyers](https://davidmordue.com/resources/clear-to-close-meaning): Learn what "clear to close" means, the CFPB three business day rule, and the exact final-day steps U.S. buyers and brokers use to avoid last-minute delays. - [3 Break Even Examples U.S. Homebuyers Use for Rate Lock Float Downs](https://davidmordue.com/resources/rate-lock-float-down): Broker backed, U.S. guide to rate lock float downs. Learn triggers, fees, and three break even examples showing when a one time cut pays. - [Reverse Mortgage: 2026 Cap $1,249,125 for Homeowners 62+](https://davidmordue.com/resources/reverse-mortgage-loan-limits): HUD set the 2026 HECM cap at $1,249,125. Learn how PLFs, age, and rates change what homeowners 62+ actually receive, with sample net cash examples. - [Reverse Mortgage Heirs Responsibility: What You Must Know](https://davidmordue.com/resources/reverse-mortgage-heirs-responsibility): Learn about your responsibilities as a reverse mortgage heir. Discover your options—sell, refinance, or walk away—and make informed decisions. - [Refinance After Forbearance: Qualify in 3 Payments, US Rules & Docs](https://davidmordue.com/resources/refinance-after-forbearance): U.S. homeowners: program-by-program rules to refinance after forbearance, broker steps, typical costs, and the exact servicer documents to request. Often... - [Mortgage Rate Shopping: How to Compare Offers and Save](https://davidmordue.com/resources/mortgage-rate-shopping): Discover how to effectively compare mortgage rates and negotiate better deals. Learn to save on your mortgage with smart shopping strategies! - [At 62: How U.S. Homeowners Can Maximize Reverse Mortgage Proceeds](https://davidmordue.com/resources/reverse-mortgage-eligibility-age): Learn U.S. rules for reverse mortgage eligibility at 62, how age and timing change HECM proceeds, HUD counseling requirements, alternatives, and practical... - [APR vs. Interest Rate: What Each One Actually Tells You](https://davidmordue.com/resources/apr-vs-interest-rate): Discover the key differences between APR and interest rate, and learn how each impacts your loan costs and monthly payments. - [What Is an Appraisal Waiver and How Do You Get One?](https://davidmordue.com/resources/appraisal-waiver): Discover how an appraisal waiver can streamline your home loan process by skipping fees and saving time, all thanks to Fannie Mae's system. - [Reverse Mortgage Age Requirement: Rules for Homeowners 55+](https://davidmordue.com/resources/reverse-mortgage-age-requirement): Discover the essential age requirements for reverse mortgages. Learn about necessary qualifications and how to navigate the process for homeowners 62 and... - [Asset Depletion Mortgages: How Assets Become Income](https://davidmordue.com/resources/asset-depletion-mortgage): Discover how an asset depletion mortgage can help you qualify for a home loan by turning your savings into income—no income verification needed. - [Getting a Self Employed Mortgage: What Actually Qualifies You](https://davidmordue.com/resources/self-employed-mortgage): Discover how self-employed individuals can qualify for a mortgage. Learn the best options for your financial situation and make informed decisions. - [VA Seller Concessions: The 4% Rule Veterans Need to Know](https://davidmordue.com/resources/va-seller-concessions): Discover how VA seller concessions work and the crucial 4% rule. Maximize your benefits when buying your home as a veteran. - [What Is a First Home Scheme? A U.S. Buyer's Guide](https://davidmordue.com/resources/what-is-a-first-home-scheme): Discover what a First Home Scheme is and how it helps U.S. first-time buyers access homeownership through discounts or equity stakes. - [VA Cash-Out Refinance: A Veteran's Guide to Cash Now](https://davidmordue.com/resources/va-cash-out-refinance): Discover how a VA cash-out refinance can help you unlock your home equity for cash. Learn the benefits, eligibility, and more! - [Urgent Home Loan Options Guide: Fast Approval Paths](https://davidmordue.com/resources/urgent-home-loan-options-guide): Discover fast financing with our urgent home loan options guide. Learn about quick approval paths and essential documents to prepare. - [Reverse Mortgage Pros and Cons for Older Homeowners](https://davidmordue.com/resources/reverse-mortgage-pros-and-cons): Explore the pros and cons of reverse mortgages for older homeowners. Learn how to maximize benefits while protecting your home equity. - [How to Remove PMI by Refinancing (and What Else Works)](https://davidmordue.com/resources/remove-pmi-refinance): Learn how to effectively remove PMI by refinancing your mortgage and explore other strategies to save on costs. Take control today! - [FHA Streamline Refinance: What It Does and What to Watch For](https://davidmordue.com/resources/fha-streamline-refinance): Discover how an FHA Streamline Refinance can lower your monthly payments with minimal paperwork. Learn what to consider before applying. - [Why Refinancing Resets Your Loan Term: 2026 Guide](https://davidmordue.com/resources/why-refinancing-resets-your-loan-term-2026-guide): Discover why refinancing resets your loan term and how to regain control of your mortgage. Learn the mechanics that save you money! - [Escrow vs Title Company: What U.S. Homebuyers Need](https://davidmordue.com/resources/escrow-vs-title-company): Discover the differences between escrow and title companies, and learn how each protects your home purchase and simplifies closing day. - [Rate-and-Term Refinance: Should You Lower Your Rate?](https://davidmordue.com/resources/rate-and-term-refinance): Discover how a rate-and-term refinance can lower your mortgage rate and save you money. Learn if it's the right move for you. - [Debt Consolidation Refinance: Is It Right for You?](https://davidmordue.com/resources/debt-consolidation-refinance): Discover if debt consolidation refinance can simplify your finances. Learn key checks to make the right choice for your financial future. - [Bank Statement Mortgage: A Guide for the Self-Employed](https://davidmordue.com/resources/bank-statement-mortgage): Unlock your potential with a bank statement mortgage designed for self-employed borrowers. Discover how this option can enhance your financial story. - [Refinancing Your Primary Residence: Fast Online Broker Guide](https://davidmordue.com/resources/investment-property-refinance): Discover how to swiftly refinance your primary residence online, unlocking savings and tailored support from expert mortgage brokers. - [Non-QM Loans: Your Guide to Alternative Mortgage Options](https://davidmordue.com/resources/non-qm-loans): Discover how non-QM loans offer flexible mortgage options for self-employed and unique income borrowers. Explore your alternatives today! - [How to Get a Fast Mortgage Closing: Your 2026 Guide](https://davidmordue.com/resources/fast-mortgage-closing): Discover how to achieve a fast mortgage closing in as little as 7 days with expert tips, lender selection, and proper preparation. - [20 Questions to Ask a Mortgage Broker Before You Sign](https://davidmordue.com/resources/questions-to-ask-mortgage-broker): Ensure a confident mortgage decision by asking these crucial questions before signing. Get clarity and protect yourself from hidden fees. - [Are Mortgage Points Worth It? Break-Even Guide for Homebuyers](https://davidmordue.com/resources/mortgage-points-worth-it): Discover if buying mortgage points is worth it for you. Understand break-even timelines and ensure a sound financial decision for your home. ## Optional - [Privacy policy](https://davidmordue.com/privacy-policy) - [Terms of service](https://davidmordue.com/terms) - [Licensing](https://davidmordue.com/licensing) - [Accessibility](https://davidmordue.com/accessibility)