Best FHA-Mortgage Lenders Guide

FHA mortgages 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 »

How to Buy an Investment Property to Generate Rental Income

Most of us like to invest our money in ways that make us more money. But most people tend to invest only in the stock market. There is nothing wrong with that, but it looks like next year could be a good year to buy an investment property to generate rental income. With rental income,… Read More »

Can I Get a Second Mortgage to Buy Another House?

A second mortgage program like a home equity loan or HELOC, allows you to borrow against your primary home’s equity to buy of another home, whether for investment (e.g., rental or fix-and-flip) or personal use (e.g., vacation home). This 2nd-mortgage loan offers lower interest rates than unsecured loans and potential tax benefits, but it carries… Read More »

What Is a Fix and Flip Loan?

A fix and flip loan is a short-term loan designed for real estate investors who purchase properties, renovate them, and quickly sell them for profit. These loans are typically provided by private lenders or hard money lenders and offer fast approvals with flexible terms. Fix and flip loans usually have higher interest rates (8-15%), short… Read More »

Bank Statement Home Loans for Self-Employed Borrowers

Self-employed borrowers sometimes face more challenges when getting a home loan by stating their income. If you have an income that is more difficult to document, this can make it more difficult for the underwriter to approve your mortgage application and this is where the bank statement loan comes in. Bank statement mortgages differ from… Read More »

VA Loan Requirements Guide

VA home loans are attractive and not out of reach if you meet the VA loan requirements and qualifications. Are you active or retired military? You may be able to qualify for a Veteran’s Administration financing, also known as the VA loan. Our team will educate you on the current VA home loan guidelines.  These… Read More »

FHA Loan While in Chapter 13

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 »

Purchase Money Mortgage Loan Guide

Buying a new home is a special experience and part of the American Dream and applying for a purchase money mortgage as a first time home buyer can be challenging. It also is a huge personal and financial step for most of us, and it is common to experience stress. But there are some simple… Read More »

How Long Does It Take to Get Down Payment Assistance?

Taking off in a plane that lands in homeownership often feels like navigating a complex labyrinth, with down payment assistance (DPA) programs serving as crucial guiding lights. People always ask us, How long does it take to secure a first time home buyer grant with down payment assistance in 2025? Much like the homebuying process… Read More »

Mortgage Pre-Qualification vs. a Pre-Approved Loan

People who have never bought a home before might think that once they have been pre-qualified for a mortgage, they may be good to go. Not the case. There is a difference between mortgage pre-qualification and mortgage pre-approval. There is a right way and wrong way to apply for a first time home buyer loan… Read More »