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 »
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 2026, with rental demand… Read More »
If you see mortgage rates dropping in 2026, you may consider refinancing your home. The RefiGuide can match you with banks and lenders to advise you on the timing of home refinancing. But whether you should do it depends on many factors. It could be logical to pursue a home refinance in these scenarios: You… Read More »
Purchasing a first home in Hawaii is a dream for many, but the state’s high cost of living and median home prices—around $740,000 as of December 2025—can make it daunting. Fortunately, a variety of trusted programs exist to support HI first-time home buyers, offering down payment assistance, grants, low-interest loans, and tax credits. The Hawaii… Read More »
One of the hottest loan products in 2026 is the DSCR Cash-Out Refinance. Learn how to Unlock Property Equity for Savvy Real Estate Investors and Borrowers. In the realm of modern real estate investment, the Debt Service Coverage Ratio, AKA, DSCR cash-out refinance emerges as a pivotal financial strategy, enabling investors to harness the equity… 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 2026. 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 »
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 2026. Home equity loans and HELOCs offer new opportunities for these borrowers to access funds for purposes such as home remodeling,… 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 »
Purchasing a first home in Massachusetts in 2026 is a significant milestone, but high real estate prices, with a median home value of $614,000 as of February 2025, pose challenges for first-time buyers . Down payment assistance (DPA) loans and grants, offered through state agencies like MassHousing and the Massachusetts Housing Partnership (MHP), alongside local… Read More »
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