Author | Lightnews

J.S. Whaldo @jswhaldo.bsky.social · 4h

Cruising through the Panama Canal felt like stepping into history. From Mayan ruins to Gatun Lake’s wildlife, every moment reminded me that travel connects us all. 🌎

www.jswhaldo.com/blog-2-1/pan...

#TravelPanama #PanamaCanal #CruiseLife #CulturalTravel

J.S. Whaldo @jswhaldo.bsky.social · 5d

George says Happy National Cat Day from his throne (also known as my bed). Belly rubs available by invitation only.

#NationalCatDay #CatsOfBlueSky #CatLife #CatAttitude #FelineMood

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J.S. Whaldo @jswhaldo.bsky.social · 6d

Are student loans affecting your mortgage plans? Hear from JS Whaldo and John Mackey on how repayment plans and DTI calculations can help—or hurt—your chances.

#StudentLoans #MortgageTips #HomeBuying #VAloans #FHAloans #USDAloans #ConventionalLoans
jswhaldo.substack.com/p/give-me-cr...

Give Me Credit

GMC Ep. 11 – How Student Loans Affect Your Mortgage Options

jswhaldo.substack.com

J.S. Whaldo @jswhaldo.bsky.social · 6d

Best quote of the night: 16th Inning, World Series, Game 3, "Klein was clean shaven when this game began".

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J.S. Whaldo @jswhaldo.bsky.social · 7d

Mtg Truths is evolving — and I want your input. What mortgage and underwriting topics do you want to read next? Take this short survey and help shape future issues.
#MortgageTips #HomeLoans #Underwriting #ConsumerFinance #MtgTruths

open.substack.com/pub/jswhaldo...

Help Shape the Next Chapter of Mtg Truths: Mortgage Tips and Insights

This issue is about you: Help shape the future of Mtg Truths by sharing your thoughts in a quick survey about mortgages and home loans.

open.substack.com

J.S. Whaldo @jswhaldo.bsky.social · 11d

Mortgage rates aren’t following the Fed? It’s all about bonds, MBS, and investor confidence. Learn why they dance to their own beat. #MortgageRates #PrimeRate #Fed #Bonds #MBS

jswhaldo.substack.com/p/mortgage-r...

J.S. Whaldo @jswhaldo.bsky.social · 27d

Erase your debt overnight? Delete every negative item? If it sounds too good to be true, it is. This week’s Give Me Credit reveals the truth about the social media credit repair scams tricking thousands. What’s the worst financial advice you’ve seen online?

open.substack.com/pub/jswhaldo...

Give Me Credit

Ep. 8: 3 Dangerous Lies Credit Repair Scams Are Selling You on Social Media

open.substack.com

J.S. Whaldo @jswhaldo.bsky.social · 28d

Windmills, Gouda, clogs, and canal chaos — the perfect day trip from Amsterdam to Zaanse Schans and Giethoorn. You’ll fall in love with the Dutch countryside too.

www.jswhaldo.com/blog-2-1/a-p...
#Amsterdam #TravelNetherlands #Giethoorn #ZaanseSchans #GoudaCheese #TravelWriter #JSTravel

A Perfect Amsterdam Day Trip: Windmills, Gouda, and Giethoorn Canals — J.S. Whaldo

Explore the best Amsterdam day trip to Zaanse Schans, Giethoorn, and the Afsluitdijk. Discover windmills, Gouda cheese, wooden shoes, and the charm of the Dutch countryside.

www.jswhaldo.com

J.S. Whaldo @jswhaldo.bsky.social · Oct 3

Your W-2 doesn’t always tell the whole story. Discover how lenders handle C-Corp income, deductions, and two-year averages to see your full qualifying income.
jswhaldo.substack.com/p/self-emplo...

#MortgageAdvice #SelfEmployed #CCorp

J.S. Whaldo @jswhaldo.bsky.social · Oct 2

Quick credit repair scams can quickly drain your wallet. Would you try a 14-day fix? Share your thoughts.

jswhaldo.substack.com/p/give-me-cr...

#CreditRepair #FinanceTips #GiveMeCredit

Give Me Credit

Give Me Credit Ep. 7 – The Real Cost of Credit Repair Scams - Part One

jswhaldo.substack.com

J.S. Whaldo @jswhaldo.bsky.social · Oct 1

Breast Cancer Awareness Month - Early Detection Saves Lives. #BreastCancerAwareness #EarlyDetection #HealthMatters

J.S. Whaldo @jswhaldo.bsky.social · Oct 1

The Lion Monument in Lucerne moved me to tears. Some art reaches straight to the soul. Have you ever experienced that?

www.jswhaldo.com/blog-2-1/fro...

#Lucerne #Switzerland #TravelBlog

The Weeping Lion of Luzern. Story by J.S. Whaldo

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J.S. Whaldo @jswhaldo.bsky.social · Sep 30

Quick credit repair scams can drain your wallet and create bigger problems. Watch Episode 7 of Give Me Credit to learn how to protect your credit.
jswhaldo.substack.com/p/give-me-cr...

#CreditRepair #FinanceTips #CreditScams #GiveMeCredit

Give Me Credit

Give Me Credit Ep. 7 – The Real Cost of Credit Repair Scams - Part One

jswhaldo.substack.com

J.S. Whaldo @jswhaldo.bsky.social · Sep 29

Warm, salty pretzels in Basel? Yes please. Brezelkönig was the perfect fuel for exploring Switzerland.

www.jswhaldo.com/blog-2-1/fro...

#Switzerland #Basel #Travel

Photo of a Brezelkonig pretzel shop in Basel, Switzerland. Story by J.S. Whaldo

J.S. Whaldo @jswhaldo.bsky.social · Sep 29

Owning part of a C-Corp changes how your income counts for a mortgage. Learn how lenders calculate self-employment qualifying income using W-2, ownership, and add-backs. #CCorpIncome #SelfEmployment #MortgageTips

jswhaldo.substack.com/p/self-emplo...

Self-Employment Qualifying Income: C-Corps Made Simple

Finishing the Self-Employment Series: C-Corp Income Made Clear for Mortgage Qualification

jswhaldo.substack.com

J.S. Whaldo @jswhaldo.bsky.social · Sep 26

This is precisely what I said when I was watching the game. That was a great dad look! "Son, I brought you into this world..."

fb.watch/CmuHjWLrB6/

fb.watch

J.S. Whaldo @jswhaldo.bsky.social · Sep 24

Relaxing with George and Jax in the backyard, or heading out to the Rady Shell with my backpack lawn chair. San Diego makes every season feel like staycation season.
www.jswhaldo.com/blog-2-1/sta...

J.S. Whaldo @jswhaldo.bsky.social · Sep 24

Take control of your credit report today. Learn about FCRA protections, dispute errors, and privacy safeguards in Give Me Credit Ep. 6. #CreditReport #FinancialWellness #FCRA

jswhaldo.substack.com/p/give-me-cr...

Give Me Credit

Give Me Credit Ep. 6 - Fair Credit Reporting Act, Part Two

jswhaldo.substack.com

J.S. Whaldo @jswhaldo.bsky.social · Sep 23

Worried about short-term notes or deductions reducing your mortgage income? I break down how lenders calculate S-Corp income and what documentation they need. #MortgageApproval #SCorpIncome #HomeLoanTips

open.substack.com/pub/jswhaldo...

Self-Employment Qualifying Income: S-Corporations Made Simple

S-Corp Income: What Counts for Your Mortgage and What Doesn’t

open.substack.com

J.S. Whaldo @jswhaldo.bsky.social · Sep 23

Know your credit rights. Give Me Credit Ep. 6 concludes the exploration of the FCRA, disputing errors, protecting privacy, and managing your credit report. #CreditTips #FCRA #ConsumerRights
jswhaldo.substack.com/p/give-me-cr...

Give Me Credit

Give Me Credit Ep. 6 - Fair Credit Reporting Act, Part Two

jswhaldo.substack.com

J.S. Whaldo @jswhaldo.bsky.social · Sep 22

Confused about using your S-Corporation income for a mortgage? Learn how K-1s, W-2s, add-backs, and deductions determine qualifying income. Step-by-step guidance for homebuyers. #SCorpIncome #MortgageTips #HomeBuying
jswhaldo.substack.com/p/self-emplo...

Self-Employment Qualifying Income: S-Corporations Made Simple

S-Corp Income: What Counts for Your Mortgage and What Doesn’t

jswhaldo.substack.com

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J.S. Whaldo @jswhaldo.bsky.social · Sep 22

Summer may be ending, but our San Diego staycation is far from over. Paddleboarding, concerts at the Rady Shell, and exploring local restaurants make every season a new adventure. #SanDiegoStaycation #DogFriendlyTravel #LocalEats #SummerToFall #TravelCalifornia

www.jswhaldo.com/blog-2-1/sta...

Four chihuahuas on a surf board floating in on the surf

J.S. Whaldo @jswhaldo.bsky.social · Sep 20

Your credit report shapes your financial future. In our new Give Me Credit episode, we explain your rights under the Fair Credit Reporting Act. Protect your credit, protect yourself. 🎧
#CreditTips #FairCreditReporting #ConsumerRights #GiveMeCredit

jswhaldo.substack.com/p/what-you-d...

Give Me Credit

Give Me Credit Ep. 5 - Fair Credit Reporting Act, Part One

jswhaldo.substack.com

J.S. Whaldo @jswhaldo.bsky.social · Sep 19

In Grundarfjordur, we saw Kirkjufell mountain, black sand beaches, and families enjoying a slow Sunday. Sometimes the simplest moments are the most memorable.
#Iceland #TravelBlog #Snæfellsnes

www.jswhaldo.com/blog-2-1/ice...

Iceland’s Golden Circle and Snæfellsnes Peninsula: Reykjavik to Grundarfjordur — J.S. Whaldo

Iceland’s Golden Circle and Snæfellsnes Peninsula, where geysers, waterfalls, and volcanic landscapes sparked wonder and adventure.

www.jswhaldo.com

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J.S. Whaldo @jswhaldo.bsky.social · Sep 18

Self-employed partners often wonder what income counts toward a mortgage. I break it down in my newest article with a clear example using K-1 and 1065 returns.

What questions do you wish you could ask an underwriter directly?

open.substack.com/pub/jswhaldo...

Self-Employment Qualifying Income: Partnerships Made Simple

How Your K-1 and 1065 Tax Returns Affect Mortgage Approval

open.substack.com