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.
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. Just a few years ago, we saw mortgage rates fall below 4% and stay there, with rates dipping to the 3.125% range for a fixed… Read More »
Navigating the path to homeownership in 2026 presents unique opportunities and challenges for first-time home buyers. With evolving lending standards, diverse loan programs, and shifting market dynamics, understanding your options is essential to making informed decisions. The RefiGuide published this exclusive guide that examines the requirements, benefits, and strategies to qualify for a first-time home… Read More »
There are thousands of home buyer grants and down payment assistance programs in 2026 across the country. There also are government backed loan programs available with low down payment options backed by local, state and Federal agencies. Let’s take a closer look at what down payment help is available so you can make this the… Read More »
The dream of homeownership often feels out of reach for many Americans, primarily due to one significant barrier: the down payment. However, zero down home loans offer a pathway to homeownership without the need for substantial upfront savings. In 2026, these no down-payment loan programs are experiencing renewed interest as housing affordability challenges persist and… Read More »
Government home loans continue to play a crucial role in making homeownership accessible to millions of Americans in 2026. These top loan programs, offered through partnerships between federal agencies and approved private lenders, provide flexible credit requirements, lower down payments, and competitive interest rates. For first-time buyers, military veterans, and families with modest incomes, government… Read More »
The Federal Housing Administration (FHA) mortgage remains the most forgiving and accessible mortgage program in the United States in 2026. Backed by the U.S. government, FHA loans accept lower credit scores, tiny down payments, and more lenient debt ratios than conventional loans. In a year when 30-year fixed rates for conventional loans hover between 6… Read More »
Qualifying for a mortgage with less-than-perfect credit may seem challenging, but it’s far from impossible in 2026. The mortgage lending landscape has evolved significantly, offering more opportunities for borrowers with credit scores in the 500 to 600 range. Whether you’re a first-time homebuyer or looking to buy or refinance, understanding your options and the requirements… Read More »
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 »
Do you want to buy a second home? You probably have many questions about how to finance a another real estate property. 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. In… Read More »
Portfolio loans are a versatile and flexible mortgage option for borrowers who don’t fit neatly within the confines of conventional loan requirements. These portfolio loan options open up opportunities for financing unique properties and accommodating non-standard financial situations. It’s important to note that while portfolio loans offer more flexibility, each private lender has its own… Read More »
