As a remote worker, you have the advantage of choosing where you live, opening up a world of possibilities both personally and financially. Whether you prefer the tranquility of rural areas or seek more affordable housing options outside expensive cities, getting a mortgage while working remotely may require some additional documentation, such as a remote work letter.

In this article, we'll explore the importance of a remote work letter in the mortgage application process and what it entails.

Do You Need a Remote Work Letter for Your Mortgage?

In most cases, yes, you will need a remote work letter when applying for a mortgage loan. The purpose of this letter is to provide verification of your employment and income during the underwriting…

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Resting in Franklin's highly-desired neighborhood of Nature’s Landing, this modern Scandinavian farmhouse is an entertainer's delight with private views and a fantastic location!

This home features a two-story foyer with an iron floating staircase, a stunning open-concept floor plan, and a kitchen/dining/living area that opens with bi-parting glass doors to a covered porch with a gas fireplace. There is ample space for friends, family, and entertaining. Upstairs, you can find custom-built bookshelves leading into the vaulted and spacious primary suite and private covered nest. The primary suite also offers a luxurious soaking tub, a spa-like shower, double vanities, linen shelving, bright natural light, and a huge closet. The upper level includes…

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Nashville’s culinary scene is more exciting now than ever, and that’s saying something because we’re the city that brought hot chicken to the world! This summer, take your foodie explorations to new heights high above the sizzling streets of the city at our recommendations for the top rooftop restaurants in town.

Choose from the best steakhouse in Nashville, sleek and chic destinations, relaxed live music joints, and casual eats atop hotels—you’ll have a night to remember at any of these destinations. Remember to take showstopping selfies with the skyline sunset as your gorgeous backdrop!

Our selected rooftop restaurants are beloved by locals and visitors alike, so we advise making reservations where they are accepted and arriving ahead of your…

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Grape growing in Tennessee, once believed to be a tradition that was vanishing into the past, has experienced a remarkable resurgence. As tobacco crops have declined since the 1980s, wine’s ongoing popularity has made grapes a robustly profitable crop for vintners throughout the region. Despite the many challenges posed by our state’s hot and humid climate, vintners have successfully adapted their techniques. Today, Tennessee takes pride in its numerous wineries that have emerged to cater to the southern states’ demand for high-quality, locally produced wines.

Thanks to our exploration of wineries all throughout our neck of the woods over summers past, we are delighted to share our selections for the finest vineyards in Middle Tennessee. Whether…

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How is the market? It’s a question our agents get asked a lot, and for good reason. If you’re considering buying a new home or selling one that you already own, market trends and predictions are important in the decision-making process. Below is our most recent market update information for Davidson, Maury, Rutherford, Sumner, Williamson, Wilson, Bedford, Coffee, Dekalb, Robertson, and Montgomery counties to help you make the most informed and beneficial choices possible.

 

 

See the Previous Month's Stats!

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A beacon of understated sophistication + design, this one surpasses all expectations!

Sitting on almost an acre lot, this home offers a sprawling floor plan that effortlessly blends contemporary style with timeless elegance. On the main level, you can find a tasteful primary wing with a soaking tub + immense closet space. The gourmet kitchen is equipped with double ovens, an expansive prep kitchen, and an oversized island that's a dream come true for the most discerning chefs. Off the kitchen is an au pair suite with its own external door and laundry. There are covered porches with fireplaces on both the main + lower level. The lower level offers up flex space and opens out to the vast back lawn. The best part, this home is convenient to Green…

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Our sense of smell is powerful and can unlock memories, evoke certain moods, and set the overall tone for the day. Candles, wax melts, incense, and essential oils are more popular than ever, and you can find them in just about any scent imaginable.  As a result, scent has become a surprisingly chic (albeit intangible) element of interior design.

How can you decide which scents are right for your home? We’re here to help you utilize the principles of aromatherapy to create the right ambiance from room to room. Read on for our guide to the best home scents to incorporate into your interior design.

First Impressions: Best Entryway Scents

Whether you’re coming home from a long day of work, or a guest is stepping through your doorway for the…

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The height of the year’s outdoor entertainment season is nearly here, so what better time than now to level up with our recommendation for 2023’s best outdoor tech upgrades? With products to improve your security, lawn health, and even your pool’s chemical balance, we are confident you’ll find something for yourself or a loved one below.

Best Outdoor Security Cameras

Arlo Pro 4 Spotlight Camera
$199.99

The Arlo 4 Spotlight Camera packs an impressive suite of features into an affordable, small product. Its 2k video is clear around the clock thanks to color night vision, auto-zoom, and motion tracking. It integrates with Siri, Alexa, Samsung’s SmartThings, and Apple’s HomeKit.

Because the Arlo Pro 4 is entirely wireless, it is a breeze to…

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Nestled in the coveted community of The Grove, this exquisite property creates a truly unique and stunning atmosphere with a perfect blend of modern, industrial, and farmhouse design elements!

Boasting 5 bedrooms, 6 full bathrooms, and 1 half bathroom, this home has it all. The stunning craftsmanship throughout the home is evident, from the custom steel and oak staircase to the 20' ft vaulted ceilings with gorgeous beam work and lighting fixtures. The covered back porch with a hot tub and gas fireplace is perfect for relaxing and entertaining, while the corner lot provides privacy and ample outdoor space. With 469 square feet of expandable attic space, the possibilities for customization are endless. Wait until you see this home in person!

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Figuring out how much to spend on a house can be hard when you have a sea of houses to choose from. But no need to fret! As your local mortgage professional, Steadfast Mortgage can guide you through the quest for homeownership.

How to Use DTI to Calculate Home Affordability

First things first, let's talk about Debt-to-Income Ratio (DTI). DTI helps us mortgage professionals determine how much house you can afford. Think of it as a comparison between the money you earn and the money you spend. We're talking about your recurring expenses like housing costs, car payments, student loans, and credit card debt. After crunching the numbers, we'll get a DTI percentage.

Here's what that might look like. Let's say you earn $2,000 a month, and your…

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