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.
Most people know that you need to have a decent credit score to get a home loan. But fewer realize how important your debt-to-income (DTI) ratio is to buying your dream home. Here, you’ll learn the vital details about how much debt-to-income you can have to buy a home. If you have questions or want… Read More »
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 »
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 »
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 »
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 »
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 6 range and 15 year fixed mortgages at 5.625% (5.895% 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 »
Yes! As of tax year 2026 (filed in spring 2027), private mortgage insurance (PMI) is once again tax deductible following passage of the “One Big Beautiful Bill Act” in 2025. This landmark legislation permanently reinstated the PMI deduction that expired after 2021, making it a permanent part of the tax code rather than requiring annual congressional… 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 2026 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 »
