Mortgage Loans

Mortgage Rates Near 7%? Here’s How to Afford a House in Denver Anyway!

Mortgage rates near 7% don't mean Denver homeownership is out of reach. Discover five smart strategies to lower costs, negotiate seller concessions, explore rate buydowns, and make buying a home more affordable without waiting for rates to drop.

From Renting to Building a Legacy 🏡❤️

For years, he had been renting and watching his hard-earned money go toward a home that would never truly be his. Then he decided it was time for a change. He had worked hard and saved diligently, putting money aside for the day he could finally purchase a home. His goal wasn’t simply to stop rentin

What I Wish More Homebuyers Knew Before Financing a New Construction Home

Financing a new construction home is different from getting a mortgage on an existing property. Stuart Kiehne shares key things homebuyers should understand about construction financing, including budgeting, appraisals, builder requirements, construction draws, land equity and construction-to-perman

Mortgage FAQ for Tampa Bay and Florida Homebuyers | Your Home Loan Team

Get straightforward answers about home loans, mortgage pre-approval, down payments, credit, conventional, FHA, VA and USDA loans

$700K House. $650K Offer. Crazy—or Worth a Shot?

That $700K asking price may not be the final price. Here’s what Denver buyers should look at before deciding how aggressively to negotiate.

What Louisville Homebuyers Should Know About Mortgage Rates

Explain what Louisville homebuyers should know about mortgage rates, including how credit, down payment, loan type and points affect rate and cost. Explain why the lowest advertised rate may not be the best mortgage and how a local mortgage broker can compare options from multiple lenders.

Can You Buy a Home in Wyoming Without 20% Down?

You may not need 20% down to buy a Wyoming home. Several loan programs offer low or no down payment options for qualified buyers- even if it's not your first home. Don't let the myths stop you from finding out the facts about buying a house.

Buying a Home Before Selling Your Current One? 6 Financing Questions to Answer First

Buying your next home before selling your current one can raise questions about mortgage qualification, down payment funds, home equity, timing, and sale contingencies. Here are six financing questions to consider before beginning your next-home search.

The Fed Rate Increase and its effect on mortgage rates

Today (Sept. 16, 2026), the Fed raised its key short-term rate (the federal funds rate) by 0.25% to a target range of 3.75%–4.00%—its first hike since 2023—to fight elevated inflation.

What Credit Score Do You Need to Buy a House?

FHA, VA, USDA, and conventional loans each have different credit score minimums. Here's what Onalaska buyers need to know from Granite Bank's Jeff Thompson.

Pay Off Debt or Save for a House?

Have extra cash before buying a Denver home? Where you put it could change your mortgage numbers more than you think.

Waiting for Lower Rates? Cute. So Are All the Other Buyers.

Should Denver buyers wait for mortgage rates to drop or make a move now? This article breaks down how rates, home prices, inventory and negotiating power affect the real cost of waiting, and why a lower rate doesn’t always mean a better deal.

The Fed May Raise Rates Tomorrow—Does That Mean Your Mortgage Rate Is Going Up?

The Fed may raise rates, but that doesn’t mean your mortgage rate automatically goes up. Here’s what actually controls mortgage rates—and why they can move before the Fed ever acts.

What Would The Monthly Payment Be On This House in Des Moines?

Coastal Investing: Mastering the DSCR Loan

Can I Use a VA Loan to Buy a Home in Annapolis, Maryland?

Eligible veterans, active-duty service members and qualifying surviving spouses may be able to use a VA loan to buy a home in Annapolis, Maryland. Learn how VA eligibility, $0 down payment options, occupancy requirements, entitlement and the VA appraisal process can affect your home purchase.

Medical Professional Mortgage Options in North Carolina (Triad LO Perspective)

Triad LO perspective on medical professional mortgages in North Carolina—eligible roles, soft steps, and Jill’s dedicated page (NMLS #100425).

Denver Home Prices in 2027: Should We Panic or Calm Down?

Will Denver home prices actually drop in 2027? This article breaks down what could move prices, whether buyers should wait, what sellers should watch, and why trying to perfectly time the Denver housing market may not be the winning strategy.

Can You Refinance a VA Loan While Unemployed? Why the VA IRRRL Is Different

A layoff or job transition does not automatically mean you have lost the opportunity to refinance your VA loan. Learn how the VA IRRRL may allow eligible homeowners to lower their rate without standard income verification or a new appraisal.

That Denver House Is Listed at $700K. But What Should You Actually Offer?

Denver buyers may have more negotiating power than they think. Here’s how to tell what a home is really worth, when to offer below asking, and why negotiating price isn’t always the smartest way to save money.

Making $150K? Here’s What That Could Buy You in Denver.

Earning $150,000 a year? See what determines how much home you may be able to afford in Denver, including debts, down payment, rates, taxes and insurance.

More Than a Mortgage: Why My Office Doesn't Look Like a Bank

My office is filled with nerd trophies; Transformers, Godzilla, Funko Pops, Scifi Posters, and Comics. They're part of who I am and reflect how I approach my work: curious and adaptable.

Big Income. Small on Paper?

Self-employed and showing less income on your tax returns? Learn how alternative-documentation mortgage options may help Denver homebuyers qualify.

Housing Shortage: We Can't Just Finance Our Way Out

Financing and supply solve different problems. Ten buyers, five houses: add $30,000 to everyone's budget and there are still five houses. The ROAD to Housing Act's provisions are useful but demand-side. The real work is construction — zoning, permitting, workforce.