In 2025, with median home prices at $412,300 (National Association of Realtors) and 30-year mortgage rates at 6.8% (Bankrate), first-time home buyers face steep challenges. President Trump’s 2025 housing initiatives aim to ease these barriers through tax incentives, deregulation, and federal land development. The RefiGuide continues to explore these 1st time home programs, their eligibility,… Read More »
In the evolving landscape of U.S. home financing, ITIN mortgage loans have emerged as a powerful tool for individuals who lack a Social Security Number (SSN) but still dream of owning a home. Whether you’re a non-U.S. resident, undocumented immigrant, or foreign national, this guide will walk you through the essentials of ITIN home loan… Read More »
The homebuying process with a FHA loan during a Chapter 13 bankruptcy can seem daunting, but it’s not impossible. Chapter 13 bankruptcy, often called a “wage earner’s plan,” allows individuals with regular income to restructure debts into a manageable repayment plan, typically over three to five years. For those looking to purchase a home during… Read More »
In 2025, interest rates for refinancing have moved considerably higher, with conventional 30-year mortgage rates in the 5 to 6% range. If you are considering a refinance mortgage because you want to secure a low interest rate, you may want to get rolling sooner than later. There have been reports that refinances have dropped off… Read More »
It is exciting to have a home built just for you. But most people are unfamiliar with owner builder construction loans. Mortgage loans for new construction are a different animal, and if you want to build your home, it is smart to learn about this unique mortgage process. With the housing market continuing to surge,… Read More »
It is not breaking news that FHA loans are some of the most popular on the US market today. Why? FHA loan programs are backed and insured by the Federal Housing Administration. These FHA qualifications feature more flexible underwriting requirements and rates, as well as lower down payments. All of these features make FHA mortgages… Read More »
Homebuyers and real estate investors often wonder, can rental income be used to qualify for a mortgage? The answer is yes, but lenders have specific rules regarding how rental income is calculated and applied. Whether you’re an investor purchasing a new property or a homeowner looking to leverage rental earnings, understanding these guidelines is crucial.… Read More »
VA Streamline Loans, or Interest Rate Reduction Refinance Loans (IRRRLs), are an excellent option for eligible veterans and active-duty service members seeking to lower their mortgage interest rate or monthly payments. These loans are designed to simplify the refinancing process by requiring minimal documentation, often waiving the need for an appraisal or income verification. This… Read More »
What are the challenges finding a mortgage refinance for a manufacture or mobile home loan? It’s no secret that modular and mobile home refinancing is not available with every lender today. The RefiGuide will help you connect with mortgage lenders offering competitive manufactured home refinance loans. Low Rate Refinance Manufactured Home Loans Attractive Mobile Home… Read More »
The RefiGuide published this guide for consumers to find the best fixer upper loan programs and get matched with banks, brokers and lenders that meet their needs. Buying a fixer-upper home can be an excellent investment, offering the opportunity to purchase a home at a lower cost and customize it to your preferences. However, getting… Read More »
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