Can I Get a Second Mortgage to Buy Another House?

A second mortgage, such as a home equity loan or HELOC, allows you to borrow against your primary home’s equity to buy of another home, whether for investment (e.g., rental or fix-and-flip) or personal use (e.g., vacation home). This 2nd-mortgage program offers lower interest rates than unsecured loans and potential tax benefits, but it carries… Read More »

What Is a Fix and Flip Loan?

A fix and flip loan is a short-term loan designed for real estate investors who purchase properties, renovate them, and quickly sell them for profit. These loans are typically provided by private lenders or hard money lenders and offer fast approvals with flexible terms. Fix and flip loans usually have higher interest rates (8-15%), short… Read More »

VA Loan Requirements Guide

VA home loans are attractive and not out of reach if you meet the VA loan requirements and qualifications. Are you active or retired military? You may be able to qualify for a Veteran’s Administration financing, also known as the VA loan. Our team will educate you on the current VA home loan guidelines.  These… Read More »

Purchase Money Mortgage Loan Guide

Buying a new home is a special experience and part of the American Dream and applying for a purchase money mortgage as a first time home buyer can be challenging. It also is a huge personal and financial step for most of us, and it is common to experience stress. But there are some simple… Read More »

Mortgage Pre-Qualification vs. a Pre-Approved Loan

People who have never bought a home before might think that once they have been pre-qualified for a mortgage, they may be good to go. Not the case. There is a difference between mortgage pre-qualification and mortgage pre-approval. There is a right way and wrong way to apply for a first time home buyer loan… Read More »

Florida First Time Home Buyer Guide

In the last decade, Florida’s population has surged, increasing by more than 2.6 million people. This remarkable demographic shift ranks Florida as the second-highest state in the country in terms of numerical population growth, second only to Texas. Given this substantial population influx, it’s unsurprising that Florida’s housing market is experiencing considerable expansion, resulting in… Read More »

Investment Property Loan Guide for Rental Home Financing in 2025

Getting a investment property loan involves careful planning, research, and attention to detail. Evaluating your financial situation, choosing the right type of rental property financing, preparing the necessary documents, and securing pre-approval are key steps. Investing in rental properties can be a lucrative endeavor, offering a steady stream of income and long-term financial stability. However,… Read More »

USDA Home Loan Requirements

The USDA home loan has been one of the most attractive mortgage programs for borrowers living in rural America. USDA mortgage loans open the doors for rural homeownership with affordable financing for very low income applicants or in the United States. Renters who want to buy a piece of the American Dream and get a… Read More »

Jumbo Loans and Mortgage Rates 2025

Jumbo loans are for home financing with loan amounts higher than conventional loans. Jumbo mortgage rates are typically slightly higher than traditional mortgage interest rates. During the housing boom and bust that roiled the country in the early 2000s, jumbo loans with exceedingly large balances became a microcosm of the crisis. Experts agree they contributed… Read More »

Zero Down Home Loans with No Down-Payment and $0 Required

Did you know that zero down mortgages are making a comeback in 2025? Buying a home with no money down allows a home buyer with little to or no deposit by using zero down payment home loans with affordable mortgage rates. These 100% financing home loans are much rarer today than a decade ago, but… Read More »