Embark on the exciting journey of home buying with confidence. Our articles cover everything from the basics of house hunting to the intricacies of mortgages, ensuring you’re well-prepared every step of the way.
For decades, self-employed people have been using no income verifications home loans to buy real estate and to refinance existing mortgages. We will help you learn everything you need to know about self-employed mortgage programs that allow non-tradition income documentation. No income home loans have been the lifeblood of self-employment financing. In most cases people… Read More »
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 »
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 »
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 »
There are many potential home buyers in the US who may have difficulty getting a home loan in 2024 on their own. Experts recommend that they add a co-borrower to the mortgage application. With the co-borrower’s income, it may be more likely that you can get approved for a home loan. If you are considering… Read More »
Subprime mortgages are considered home loans that have a higher interest rate than prime loans and they were very popular prior to the financial melt-down and mortgage industry crash. 10-years ago many subprime mortgage lenders stopped offering these high risk home loans. These days, it is much easier to get a sub prime mortgage loan… Read More »
First time home buyers have many choices of mortgage loans available to them. Two of the most common are first time home mortgages that are backed by the Federal Housing Administration (FHA) and the Federal National Mortgage Association (Fannie Mae). Both of these entities offer attractive home loan programs with low down payments and reasonable… Read More »
We have been getting a lot of requests for no doc loans from borrowers looking to refinance because many Americans are self-employed and would rather not deal with the hassles of documenting their income. Being self-employed can be highly rewarding because you control your own destiny and control how much money you earn. However self-employed… Read More »
The 2024 loan limits for Fannie Mae and Freddie Mac remain high. The rapid rise of home prices during the pandemic-era is fueling what could be the biggest increase in the Fannie Mae and Freddie Mac conforming loan limit since 1970. An increase in the conforming loan limit allows home buyers wanting Fannie or Freddie-backed… Read More »
How much do you know about government home loans? It’s no secret that the United States encourages government mortgages to stimulate home buying. First, when we say that, what we really mean is that the mortgage loan is backed by the full faith and credit of the federal government. Government Home Loans with FHA, VA,… Read More »
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