{"id":7447,"date":"2023-03-22T14:35:54","date_gmt":"2023-03-22T19:35:54","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?page_id=7447"},"modified":"2023-10-16T13:54:03","modified_gmt":"2023-10-16T18:54:03","slug":"mortgage-manual","status":"publish","type":"page","link":"https:\/\/www.morty.com\/resources\/mortgage-manual","title":{"rendered":"Mortgage Manual"},"content":{"rendered":"\n<div class=\"wp-block-genesis-blocks-gb-columns gb-slate-section-image-and-text-cta gpb-slate-image-text gb-layout-columns-2 gb-2-col-wideleft gb-has-custom-background-color gb-has-custom-text-color gb-columns-center alignfull\" style=\"padding-top:6em;padding-right:1em;padding-bottom:5em;padding-left:1em;background-color:#dce4ef;color:#1f1f1f\"><div class=\"gb-layout-column-wrap gb-block-layout-column-gap-9 gb-is-responsive-column\" style=\"max-width:1200px\">\n<div class=\"wp-block-genesis-blocks-gb-column fade-in-up gb-block-layout-column gb-is-vertically-aligned-center\"><div class=\"gb-block-layout-column-inner\">\n<h1 class=\"wp-block-heading has-text-align-left fade-in-up has-text-color\" style=\"color:#2b211a;font-size:56px\">Mortgage Manual<\/h1>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-left fade-in-up has-text-color has-diatype-font-family has-medium-font-size\" style=\"color:#2b211a;line-height:1.3\">From getting your finances in order to making an offer, closing on a home, and everything in between. Morty Home School has what you need to know about homebuying.<\/p>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-genesis-blocks-gb-column gb-block-layout-column\"><div class=\"gb-block-layout-column-inner\">\n<figure class=\"wp-block-image size-large is-resized fade-in-up\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/04\/contactBlue-1024x932.webp\" alt=\"\" class=\"wp-image-8528\" style=\"width:256px;height:233px\" width=\"256\" height=\"233\" srcset=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/04\/contactBlue-1024x932.webp 1024w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/04\/contactBlue-300x273.webp 300w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/04\/contactBlue-768x699.webp 768w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/04\/contactBlue.webp 1187w\" sizes=\"auto, (max-width: 256px) 100vw, 256px\" \/><\/figure>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-genesis-blocks-gb-columns gb-layout-columns-1 one-column has-white-background-color gb-has-custom-text-color gb-columns-center alignfull\" style=\"padding-top:4em;padding-right:1em;padding-bottom:6em;padding-left:1em;color:#1f1f1f\"><div class=\"gb-layout-column-wrap gb-block-layout-column-gap-2 gb-is-responsive-column\" style=\"max-width:1200px\">\n<div class=\"wp-block-genesis-blocks-gb-column fade-in-up gb-block-layout-column\"><div class=\"gb-block-layout-column-inner\">\n<div class=\"wp-block-genesis-blocks-gb-columns fade-in-up gb-layout-columns-3 gb-3-col-equal\"><div class=\"gb-layout-column-wrap gb-block-layout-column-gap-3 gb-is-responsive-column\">\n<div class=\"wp-block-genesis-blocks-gb-column gb-block-layout-column\"><div class=\"gb-block-layout-column-inner\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/www.morty.com\/resources\/mortgage-manual\/the-mortgage-journey\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/04\/journeythumb.webp\" alt=\"\" class=\"wp-image-8578\" style=\"width:150px;height:125px\" width=\"150\" height=\"125\"\/><\/a><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#1f1f1f;font-size:32px\">The Mortgage Journey<\/h2>\n\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#1f1f1f;font-size:20px\">From planning to closing: The ins and outs of applying for a home loan.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50\"><a class=\"wp-block-button__link has-black-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.morty.com\/resources\/mortgage-manual\/the-mortgage-journey\" style=\"border-radius:100px;background-color:#deedec\"><strong>VIEw ARTICLES<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-genesis-blocks-gb-column gb-block-layout-column\"><div class=\"gb-block-layout-column-inner\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/www.morty.com\/resources\/mortgage-manual\/initial-disclosures\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/04\/isclosuresthumb.webp\" alt=\"\" class=\"wp-image-8580\" style=\"width:150px;height:125px\" width=\"150\" height=\"125\"\/><\/a><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#1f1f1f;font-size:32px\">Initial Disclosures<\/h2>\n\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#1f1f1f;font-size:20px\">Navigate the disclosures detailing your mortgage application.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50\"><a class=\"wp-block-button__link has-black-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.morty.com\/resources\/mortgage-manual\/initial-disclosures\" style=\"border-radius:100px;background-color:#ffe0cc\"><strong>VIEW ARTICLES<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-genesis-blocks-gb-column gb-block-layout-column\"><div class=\"gb-block-layout-column-inner\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/www.morty.com\/resources\/mortgage-manual\/income-employment\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/04\/employment_thumb.webp\" alt=\"\" class=\"wp-image-8573\" style=\"width:150px;height:125px\" width=\"150\" height=\"125\"\/><\/a><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#1f1f1f;font-size:32px;line-height:1\">Income &amp; Employment<\/h2>\n\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#1f1f1f;font-size:20px;line-height:1.8\">How types of income are calculated and verified for your mortgage.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50\"><a class=\"wp-block-button__link has-black-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.morty.com\/resources\/mortgage-manual\/income-employment\" style=\"border-radius:100px;background-color:#dce4ef\"><strong>VIEw ARTICLES<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-genesis-blocks-gb-columns fade-in-up gb-layout-columns-3 gb-3-col-equal\"><div class=\"gb-layout-column-wrap gb-block-layout-column-gap-3 gb-is-responsive-column\">\n<div class=\"wp-block-genesis-blocks-gb-column gb-block-layout-column\"><div class=\"gb-block-layout-column-inner\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/www.morty.com\/resources\/mortgage-manual\/assets\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/04\/assets_thumb.webp\" alt=\"\" class=\"wp-image-8574\" style=\"width:150px;height:125px\" width=\"150\" height=\"125\"\/><\/a><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#1f1f1f;font-size:32px\">Assets<\/h2>\n\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#1f1f1f;font-size:20px\">What you need to know about asset requirements for closing your mortgage.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-4 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50\"><a class=\"wp-block-button__link has-black-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.morty.com\/resources\/mortgage-manual\/assets\" style=\"border-radius:100px;background-color:#dee9b9\"><strong>VIEW ARTICLES<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-genesis-blocks-gb-column gb-block-layout-column\"><div class=\"gb-block-layout-column-inner\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/04\/appraisals_thumb.webp\" alt=\"\" class=\"wp-image-8714\" style=\"width:150px;height:125px\" width=\"150\" height=\"125\"\/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#1f1f1f;font-size:32px\">Appraisals<\/h2>\n\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#1f1f1f;font-size:20px\">Everything you need to know about the Appraisal Process.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50\"><a class=\"wp-block-button__link has-black-color has-text-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.morty.com\/resources\/mortgage-manual\/appraisals\" style=\"border-radius:100px;background-color:#ffe89e\"><strong>VIEw ARTICLES<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-genesis-blocks-gb-column gb-block-layout-column\"><div class=\"gb-block-layout-column-inner\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/www.morty.com\/resources\/mortgage-manual\/title-and-hoi\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/04\/titlehoi_thumb.webp\" alt=\"\" class=\"wp-image-8576\" style=\"width:150px;height:125px\" width=\"150\" height=\"125\"\/><\/a><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#1f1f1f;font-size:32px\">Title &amp; HOI<\/h2>\n\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#1f1f1f;font-size:20px;line-height:1.5\">The third party services necessary for getting your mortgage closed.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-6 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50\"><a class=\"wp-block-button__link has-black-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.morty.com\/resources\/mortgage-manual\/title-and-hoi\" style=\"border-radius:100px;background-color:#e8e0db\"><strong>VIEW ARTCILES<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-genesis-blocks-gb-columns fade-in-up gb-layout-columns-2 gb-2-col-equal has-theme-palette1-background-color gb-columns-center alignfull\" style=\"padding-right:5%;padding-left:5%\"><div class=\"gb-layout-column-wrap gb-block-layout-column-gap-2 gb-is-responsive-column\" style=\"max-width:1200px\">\n<div class=\"wp-block-genesis-blocks-gb-column gb-block-layout-column\"><div class=\"gb-block-layout-column-inner\" style=\"padding-top:50px;padding-bottom:50px\">\n<h2 class=\"wp-block-heading has-text-align-right has-theme-palette-9-color has-text-color\">Explore resources<\/h2>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-genesis-blocks-gb-column gb-block-layout-column\"><div class=\"gb-block-layout-column-inner\" style=\"padding-top:50px;padding-bottom:50px\"><form role=\"search\" method=\"get\" action=\"https:\/\/www.morty.com\/resources\/\" class=\"wp-block-search__button-outside wp-block-search__text-button wp-block-search\"    ><label class=\"wp-block-search__label screen-reader-text\" for=\"wp-block-search__input-1\" >Search<\/label><div class=\"wp-block-search__inside-wrapper \"  style=\"width: 75%\"><input class=\"wp-block-search__input\" id=\"wp-block-search__input-1\" placeholder=\"\" value=\"\" type=\"search\" name=\"s\" required \/><button aria-label=\"Search\" class=\"wp-block-search__button has-background has-theme-primary-background-color wp-element-button\" type=\"submit\" >Search<\/button><\/div><\/form><\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":30,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"disable","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"class_list":["post-7447","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mortgage Manual | 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