About Tom Murphy

Tom Murphy grew up in La Jolla, California surfing and carving his niche in the local real estate market. Mr. Murphy has a stellar record as a loan officer with over a decade of experience helping people secure the right home loan. He now works at Answer Home Lending in San Diego CA. NMLS # 662141

FHA Manufactured Home Loan Guidelines, Requirements and Eligibility

Are you looking for an affordable manufactured home loan with a competitive FHA mortgage? Manufactured homes, sometimes referred to as mobile homes, or prefab homes, provide a more affordable, more extensive, and customized housing option than typical houses. But, that as it may, securing finances for these homes and finding resources can only become quicker… Read More »

Can I Get a Government Loan to Pay Off Debt?

When you want to apply for a mortgage, there are many things to decide. One of them is whether you want to get a government loan, which means it is backed by a US government entity. Or, you can obtain a conventional mortgage that adheres to Fannie Mae and Freddie Mac guidelines. Many people get… Read More »

VA Requirements for Home Loan Programs in 2025

There are many reasons why VA loan requirements are so attractive to home buyers with military credentials in 2025. The U.S economy is booming again, the housing market is soaring and eligible VA home loan applicants have access to arguably the best mortgage to refinance or buy a house this year. When most people look… Read More »

Can you Refinance a FHA Mortgage to a Conventional Home Loan?

Many homebuyers don’t have a 20% down payment or high credit score, so they turn to FHA loans to buy their home. FHA mortgages have many advantages, but they may have higher annual costs than conventional loans in many cases. So, it can be beneficial when your credit and financial situation improves to refinance an… Read More »

How to Buy a House with Little Money Down and Average Credit Scores

One of the biggest barriers to buying a home for many Americans is the down payment. But many first-time home buyers have misconceptions about the down payment that is required, as well as what credit scores are needed. According to the National Association of Realtors, 85% of first time buyers think they need 10% down… Read More »