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 »

First Time Home Buyer Loans with Poor Credit

The demand for first time home buyers with bad and below average credit to get approved to buy a house remains as high as ever. We continue to hear lenders and brokers are expanding the credit score requirements for many first time house buyers with bad credit looking to lock into an affordable 30-year mortgage.… Read More »

No PMI – How to Get Rid of Private Mortgage Insurance

What is a No PMI Mortgage Loan? PMI stands for “private mortgage insurance” and thus a “no PMI mortgage loan” is a home loan without the borrower being required to pay mortgage insurance monthly. No PMI loans have been very popular with first time home buyers for the last two decades. We will also explore… Read More »

Manufactured Home Loans Essential Guide

Manufactured home loans are available with competitive mortgage rates for borrowers looking to purchase or refinance a manufactured or modular home.  Potential home buyers who want to get a manufactured home often wonder how easy it will be to get financing for these properties. Find the Trusted Mortgage Lenders that Offer the Best Manufactured Home… Read More »

Requirements to Finance & Buy a Second Home

Do you want to buy a second home? You probably have many questions about how to finance a 2nd-home. Whether you want to buy a second home for vacations or as an investment property, getting financing for this type of property comes with some challenges that you should be aware of. There is an easier… Read More »

Amazing Home Buying Grants

Buying your first home can be overwhelming in many ways. There are so many decisions to make an many people do not realize that there are home buying grants that provide down-payment assistance in all 50 states. One of the most important of course is getting approved for a mortgage and saving up for a… Read More »

VA Home Loan Requirements 2024

There are many reasons why VA loan requirements are so attractive to home buyers with military credentials in 2024. 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 »

Guide to Home Buyer Grants and Down Payment Assistance Programs

There are thousands of home buyer grants and down payment assistance programs across the country. There also are government backed loan programs available with low down payment options in 2024. Let’s take a closer look at what down payment help is available so you can make this the year you bought your first home. How… Read More »

100% Mortgage Financing for First Time Loans

Home buyers love 100% financing because it allows them to become a homeowner on a mortgage with no down-payment. Most first time house buyers relish the ability preserve their capital because there are many unseen costs when moving into a new home. Having the ability to become a homeowner without having to come up with… Read More »

How to Finance Fractional Home Ownership  

If you are interested in a vacation property or second home, you may wonder about financing fractional home ownership. Before you move forward, it’s important to understand what fractional homeownership is and how financing works. Fractional Ownership Overview Fractional ownership usually deals with owning a vacation property where several owners use it based on units… Read More »

Vacant Land Loan – What You Need to Know

Buying a piece of land allows you to build your dream home or to simply maintain a piece of nature. But land can be pricey in higher demand areas, so you cold need to find a vacant land loan to fund your purchase. You might think that land loans will be easy and low risk,… Read More »

Zero Down Home Loans with No Money Down

Buying a home with no money down allows a home buyer with little to or no deposit by using zero down home loans that requires no down-payment. These 100% financing home loans are much rarer today than a decade ago, but there are several no down payment loans you may be able to qualify for… Read More »

No Doc Loans to Buy a Home from Top No Doc Mortgage Lenders

Buying a home with a no doc loan with no income verification from the lenders can be challenging. Learn how to buy a home with a no doc mortgage from trusted non QM lenders. The housing market was hot in the early and mid-2000’s, as most of us remember. That was when no documentation home… Read More »

How to Qualify for a VA Home Loan

VA home loans are highly regarded 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. Find VA Mortgage Lenders that Specialize in Military Home Financing & Low VA… Read More »

Get Pre-Approved for a No Credit Home Loans

People looking to buy a home are always advised to get pre-approved before they begin shopping for a no credit home loan. Our team will show you how to get mortgage pre-approved without a credit check. If you do not have financing approved, there really is little point to look at homes; you do not… Read More »

USDA Home Loan Requirements – Updated

The USDA home loan has been one of the most attractive mortgage programs for borrowers living in rural America. USDA loans open the doors for rural homeownership with affordable financing in the United States. Renters who want to buy a piece of the American Dream and get a home of their own in 2024 may… Read More »

Buying a Home with Bad Credit Financing

Buying a home with bad credit is not always easy as most mortgage lenders create home financing programs based on borrowers with established credit histories. Learn how to buy a home with bad credit and low scores from the lending professionals online. All signs point towards 2024 being a unique opportunity for consumers to buy… Read More »

Why 3/1 and 5/1 ARM Mortgage Loans Are Competitive

America has been moving into a longer term higher interest rate environment. You may have noticed a lot of advertisements for hybrid loans like the 3/1 and 5/1 ARM mortgage. In 2020, we saw mortgage rates fall below 4% and stay there, with rates dipping to the 3.125% range for a fixed rate, 30-year note.… Read More »

Pros & Cons of Fannie Mae Home Path Property Loans

The Fannie Mae Home Path loan program has a strong reputation with first time home buyers and realtors. Fannie Mae works closely with mortgage loan companies and other stakeholders in the real estate and finance industries to help homeowners who have Fannie Mae loans to avoid a foreclosure. However, there are some situations where a… Read More »

Non QM Loans from Non-Qualified Mortgage Lenders

Non QM loans continue to supply alternative mortgage products from private lenders. The non qualified mortgage world was created after the subprime lending world crumbled. Private lenders and bankers tightened up the loan programs with more efficient lending rules to develop the Non QM loan market. The RefiGuide can help you understand the non QM… Read More »

Bad Credit Home Loans from Top Lenders

One of the biggest challenges for consumers today is to find a bad credit home loan from a mortgage company you trust. Learn how to get home loans with poor credit scores from lending experts. Find Home Loans for People with Bad Credit Scores We have been telling people for years, not to get ripped… Read More »

VA & Military Home Loans for First Time Buyers

VA home loans have been very popular with military first time house buyers for decades. There are many great home financing advantages to being a military veteran or active military. One of the biggest pluses that you can enjoy is getting a military home loan with competitive interest rates, low closing costs and no down-payment… Read More »

No Income Verification Loans for Self Employed

For decades, self-employed people have been using no income verifications loans to buy real estate and to refinance existing mortgages. No income home loans have been the lifeblood of self-employed financing. One of the casualties of the mortgage meltdown of the last decade was that most no income verification loans no longer were offered. While… Read More »

15 Year vs 30 Year Loan Differences Which is Best?

The current mortgage rates have been rising, with a 30 year fixed mortgage hovering in the 7% range and 15 year fixed mortgages at 6.625% (6.855% APR). With rates this low, many people are thinking about either buying a new home or refinancing. 15 Year Mortgage vs 30 Year Loans A 15 year mortgage can… Read More »

Is PMI Mortgage Insurance Tax Deductible in 2024?

Many home buyers are wondering if private mortgage insurance or PMI was still tax deductible. With all of the media publishing articles about the tax reform, it is imperative that you get the facts on tax deductions for PMI before committing to a home loan in the new year. As interest rates continue to spike… Read More »

Getting a Mortgage After Bankruptcy to Buy a Home

In the past, qualifying for a mortgage after bankruptcy was nearly impossible. Typically after recovering from bankruptcy people ask me how long it will take to qualify for a mortgage loan, refinance, home equity loan, or home improvement loan after bankruptcy or how long after bankruptcy to buy a home. Banks and mortgage lenders understand… Read More »

How to Get Stated Income Loans

The stated income loan has become somewhat of an elusive mortgage program that streamlines the process. If you are self-employed and do not have a traditional income with W-2s and pay stubs, you may wonder if you can get a mortgage this year. Yes, there are alternative loan options for self-employed professionals to get a… Read More »

Best home Loans for Senior Citizens & The Elderly

Housing, particularly in the United States, has a fairly predictable lifecycle. The reason is that most homebuyers who buy a house finance that purchase with a mortgage earlier in life and therefore engage in a long-term financial obligation in which they ‘agree’ to accumulate equity in their home. Home loans for seniors and the elderly… Read More »

How to Fix Your Credit Before Buying Your First Home

Your credit score can save you a lot of money … or it can cost you a lot of money. Yet, some people don’t even know their credit score, or how to make it better. That’s bad news when you’re hoping to get the best deal on a mortgage (and looking at 30 years of… Read More »