About Bryan Dornan

Bryan Dornan is a financial journalist and currently serves as Chief Editor of RefiGuide.org. Bryan has founded several mortgage and marketing companies and has worked as a loan officer and mortgage broker in the industry for over 25 years and has a wealth of experience in providing mortgage clients with the highest level of service in the industry. Bryan's continual focus is to promote affordable home-ownership to consumers like you across the United States. He also writes for RealtyTimes, Patch, Buzzfeed, Medium and other national publications. Find him on Twitter, Muckrack, and Linkedin

FHA Construction Loan Guide

The FHA construction loan program is in high demand as more and more consumers see the value in building a home with government insured construction financing. Many people dream of having a home altered to suit their needs and wants. But constructing the home of your dreams isn’t a piece of cake. To make this… Read More »

Home Equity Investment Guide

Are you curious about home equity investments? Find out how they can boost your finances and what to watch out for. Home equity investing has created new opportunities for borrowers to get cash out while leverage their real estate property. There is a popular new program for homeowners to consider if they have enough equity… Read More »

Fast HELOC No Appraisal Required

Many homeowners need a fast cash so they request a HELOC with no appraisal required. If you have good credit and lots of home equity it may be possible to get a fast HELOC or home equity loan without a full appraisal required. Do HELOCs require an appraisal? If the mortgage lender requires a HELOC… Read More »

Best HELOC Lenders in 2024

Since the popularity of the home equity line of credit has soared finding the best HELOC lender has become vital. Different HELOC lenders offer different types of home equity lines. For example, if you are unable to document your income, you may need a a no doc HELOC lender, or if you have low credit… Read More »

How Long After a Bankruptcy Can I Get a Mortgage?

In the past, qualifying for a mortgage after bankruptcy was nearly impossible. One of the most common questions we get is “How long after bankruptcy can i get a mortgage?” Many consumers do not realize that one of the best ways to reestablish credit after a bankruptcy with a mortgage. Typically after recovering from bankruptcy… Read More »

Secrets to Get the Best Home Equity Loan Rates

Are you shopping for the best home equity loan rates online and finding a major discrepancy in interest rates and second mortgage loan amounts? The process to secure the lowest interest rates to get approved for the best home equity loans can be daunting. Not all banks and mortgage lenders specialize in variable and fixed… Read More »

Investment Property Loan Guide for Rental Home Financing

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 »

How Does Paying Back a HELOC Work?

Many borrowers want to know how the HELOC payment works with a revolving home equity line of credit and variable interest rates. Homeowners love HELOC lines of credit because they are a flexible financial product that enable borrowers to cash in on the equity in their house. Homeowners can borrow and repay their credit line… Read More »

Home Equity Loan or HELOC on Rental Property or 2nd Home?

American homeowners love home equity loans and many people have been inquiring about leveraging their second home or rental property with an equity loan or 2nd mortgage. Home prices seem to be leveling off with one major house price indicator at S&P finding prices up 3% from January 2023. Thousands of homeowners have taken out… Read More »

How to Get Zero Down First Time Buyer Home Loans

Becoming a first time home buyer and getting approved for a zero down payment mortgage loan is a dream come true for many people in this country. Most Americans want to own their own home, but the down payment is often a sticking point for many people. If you are looking for zero down first… Read More »

Private Money Loans from Non Traditional Mortgage Lenders 

The popularity of private money loans has soared because the real estate market and self-employed borrowers have increased the demand for alternative mortgages from private mortgage lenders. Private money lenders are a non-institutional source that provides home loans, mortgages and cash-out home equity lines of credit for people with all types of credit. Private money… Read More »

Hard Money Loans for Bad Credit

Homeowners with bad credit scores have been searching for hard money loans and private money mortgages this year. If you have poor credit and you still want to get a home loan, either for your own home or an investment property, you still could have some hard money loan options available. Regular bank loans for… Read More »

FHA Cash Out Refinance Program

For several decades the FHA cash-out refinance program has helped millions of Americans with affordable refinancing with cash out opportunities that do not require as much equity as most conventional mortgages. Do you want to refinance your FHA loan into a lower rate and get cash out? The RefiGuide will help learn everything you need… Read More »

Top Ranked Home Improvement Financing Loans in 2024  

You want to make home improvements, and you aren’t alone! Millions of Americans want to renovate their homes to make them more livable and increase their value. Unless you have the cash to pay for tens of thousands in upgrades, chances are you need to get a loan to pay for your home repairs. Fortunately,… Read More »

Doctor Home Loan Programs

Did you attend medical school and recently graduate? Then you are on your way to becoming a doctor. Doctors often find themselves in an unusual place when they leave medical school: They have high incomes but also a lot of student loan debt. Medical school is expensive, and many new doctors have $500,000 or more… Read More »

Portfolio Loan Guide

Portfolio loans are a versatile and flexible mortgage option for borrowers who don’t fit neatly within the confines of conventional loan requirements. These portfolio loan options open up opportunities for financing unique properties and accommodating non-standard financial situations. It’s important to note that while portfolio loans offer more flexibility, each private lender has its own… Read More »

VA Home Loan Rates and Requirements

VA home loans are attractive and not out of reach if you meet the VA loan qualifications. Are you active or retired military? You may be able to qualify for a Veteran’s Administration financing, also known as the VA home loan. These Veteran mortgages are unique and powerful finance options for select American borrowers. The… Read More »

Shop for the Best FHA-Mortgage Rates from Top Lenders

FHA loans have been a driving force in the housing industry offering affordable home financing for over five decades. Are you considering an FHA mortgage to buy your next home? If so, you probably have a lot of questions about the FHA loan process and what you need to do to be approved. It is… Read More »

What Are Home Equity Loan Closing Costs and HELOC Fees?

So you want to apply for a home equity loan to tap some of your hard-earned equity. Keep in mind that every mortgage, whether it is a home equity loan or HELOC, has closing costs. The only question is how much home equity loan closing costs and lending fees will be and how they will… Read More »

How to Get New Home Construction Loans in 2024

If you have looked for your dream home but can’t find it, you could think about building a new home. Building your own home requires a new home construction loan, and new home construction requirements for mortgages differ than for existing properties. Learn all about new home construction loans in this article and reach out… Read More »

How to Get a Mortgage Pre Approval

So, you were recently getting pre-approved for a mortgage. Congratulations! But don’t pop the champagne until closing day and all the home loan documents are signed and recorded. Getting a pre-approved mortgage up-front can streamline your entire home buying process if you align yourself with the right lender and realtor. Securing a mortgage pre-approval is… Read More »

California First Time Home Buyer Guide

First time home buyers in California have significant opportunities and challenges as well. California has long been one of the most expensive housing markets in the country, and it’s no wonder why. It’s the state with the highest population, and it’s growing. In fact, the state has added more than 2 million residents over the… Read More »

Best Rate and Term Refinance Mortgage Options

Refinancing your mortgage is usually a great way to save money on your bills every month. And these days, mortgage rates are still in the area of 3%, so many people find that they can lower their mortgage payment by refinancing. Over the last thirty years, the rate and term refinance has been the most… Read More »

How to Calculate Equity in a Home 

Home equity can be a tremendously valuable asset for homeowners. You can pull out equity to do almost anything: renovate the kitchen, pay off high-interest debt, pay for your kid’s college tuition, and even start a business or invest in real estate. Before you can get a cash-out refinance, home equity loan or home equity… Read More »

How Much Is Mortgage Insurance?

When you’re buying a home, every dollar counts. One of those crucial costs to be aware of is mortgage insurance.  It might seem like another added expense, but it plays a notable role in the home-buying process, especially if you’re putting down less than 20%. Understanding how much mortgage insurance costs and how it impacts your… Read More »

Home Equity Loan Lenders Guide

Are you thinking about getting home equity loans or credit lines and want to know what the credit score requirements and lending guidelines to get the lowest home equity rates in 2024? The popularity of home equity loans is surging because homeowners want to get the best rates for home improvements, investments, debt consolidation, education, … Read More »

How Does a Second Mortgage for Home Improvement Work

Now is the time to unlock home improvement ideas with a second mortgage. It’s a great time to secure low 2nd mortgage rates for your home remodeling project. Use a second mortgage t0 take advantage of financing incentives from trusted lenders offering popular home equity loan programs today. Apply for a Second Mortgage for Home… Read More »

Best Options to Refinance a Conventional Mortgage

A mortgage refinance can help you to lower your rate and monthly payment, even if you have low credit scores, poor payment history, or simply upside down on your conventional mortgage loan. It also can get you cash to do renovations on your home if you want to do a cash out refinance. However, some… Read More »

Home Equity Line Opportunities for Credit with Low Rates

While the Federal Reserve continues to hike rates, the demand for home equity lines surges.  When rates rise, homeowners choose taking out a home equity credit line over refinancing because they can keep their low interest mortgage. Most people at one time or another need access to capital that is not sitting in their savings… Read More »

Can I Cash Out Refinance on Investment Property in 2024?

When your home’s value rises, you may be tempted to do a cash-out refinance and take some of your equity. A cash-out refinance also usually allows you to get a new mortgage at a lower rate. What about investment properties? Can you do a cash out refinance mortgage on an investment property, 2nd home or… Read More »