Mortgage Navigator • Conventional • Can This Be Done?

Can This Actually Be Done?

Some mortgage files are not impossible—they are just being evaluated under the wrong rule, transaction type, or agency.

Build My Mortgage Game PlanCompare Fannie vs. Freddie

Start with the unusual fact

Buying from family or a related party

Non-arm's-length purchases are not automatically prohibited.

Land contract / contract for deed

The 12-month line can change purchase vs. refinance treatment.

Lease option / rent credit

Some documented rent can count toward the down payment.

Property held in an LLC

LLC ownership history can sometimes count for refinance seasoning.

Property held in a trust

Eligible living/revocable trusts can work with conventional financing.

Divorce / owner buyout

A buyout can sometimes remain limited cash-out instead of cash-out.

Inherited property

Inheritance can create exceptions to ordinary title/ownership waiting periods.

Non-occupant borrower

A co-borrower who does not live in the home can be allowed.

Shared equity / community land trust

Resale restrictions and leased land do not automatically make a home ineligible.

Could the other agency solve it?

A structured Fannie-vs.-Freddie second look.
MortgageDadOf3 rule: before saying “conventional won't allow it,” identify whether the answer is truly an agency prohibition, an AUS result, an MI rule, a product rule, or simply a lender overlay.

Official agency baseline

Fannie Mae Selling Guide · Freddie Mac Seller/Servicer Guide

These are agency-level rules. AUS findings, mortgage insurance, product restrictions and lender/investor overlays can still affect a real loan.