DSCR loans evaluate a property’s ability to generate enough rental income to cover its debt obligations, calculated as Net Operating Income (NOI) divided by annual debt service (principal, interest, taxes, insurance, HOA). Unlike conventional loans, DSCR loans don’t require personal income verification, making them accessible for investors with complex financials. In 2025, with rental demand… Read More »
The RefiGuide has been educating home buyers on credit score requirements on FHA loans for over a decade. What are today’s FHA credit score requirements? This is one of the most common questions we get from consumers looking to buy a home with an FHA loan. The applicants frequently ask, What credit score for FHA… Read More »
Getting approved for a mortgage refinance with no appraisal can save you time and money. One of the biggest blessings for homeowners is when they can find a mortgage refinance without an appraisal being required. Yes, it not available to everyone in every situation, but it is possible to refinance with no appraisal if you… Read More »
Many experts think that FHA interest rates could be in for some unpredictability in 2025. In the last decade, FHA loan rates have been competitive with conventional mortgage rates associated with prime loan programs backed by Fannie and Freddie. The Federal Reserve plans to meet in February, and a critical non-farm payrolls report is due… Read More »
In 2025, homeowners have been scrambling to leverage their property’s equity have a variety of financing options across the United States. The RefiGuide ranks US states for the best home equity loan rates and HELOCs in 2025. Home equity loans and HELOCs offer new opportunities for these borrowers to access funds for purposes such as… Read More »
Getting approved for a bad credit home equity loan can be challenging to say the least. In 2025, most smart homeowners consider a HELOC or low credit home equity loan if they already have a low interest rate on their first mortgage. We published this article to help homeowners understand the loan to value and… Read More »
In 2025, Home Equity Lines of Credit or HELOC continues to be a popular 2nd-mortgage program for homeowners looking to access their property’s equity for home remodeling, debt consolidation, funding investments or unexpected expenses. The RefiGuide will teach you how to calculate home equity line of credit payments so you can budget accordingly. It’s no… Read More »
Bank statement loans have replaced the stated income programs that were so popular last decade. Banks and lenders have gained wisdom in recent years and rolled out bank statement mortgage loans that are less risky because they enable a borrower to prove that they can afford to make their monthly mortgage payment. The most popular… Read More »
Buying or refinancing a home rarely happens overnight. Between the home loan application, underwriting, and final loan approval stages, there are several checkpoints where lenders verify your income, credit, and assets. One of the most important milestones in this process is conditional approval — a strong indication that your mortgage is on track, but not… Read More »
Now that government shutdown has ended, American homeowners and aspiring buyers are buzzing about a seismic shift in the mortgage landscape: the emergence of 50-year mortgage loans. Long a staple in countries like the UK and Canada, these ultra-long-term fixed-rate products are poised to make U.S. homeownership more accessible than ever. With 30-year fixed rates… Read More »
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