Mortgage Loans

Five Mortgage Mistakes That Can Cost You Money

Business Bank Statement Loans: The 2026 Self-Employed Guide

Can you qualify for a mortgage without tax returns? Learn how business bank statement loans use 12 months of deposits to verify income for self-employed borrowers.

My (California) East Tennessee Neighborhood?

...blame the developer! 😉

2026 USDA Income Limits Increase: How to Qualify Now

USDA Rural Development has increased 2026 income limits to $122,800 for most 1-4 person households, expanding eligibility for zero-down home loans across the…

Five Common Myths About the CMG All-in-One Loan

What Credit Score Do You Need to Buy a Home in Arizona?

To buy a home in Arizona, you typically need a 620 credit score for conventional loans or 580 for FHA financing.

Investing in real estate using a DSCR loan

Investing in real estate using a DSCR loan

Real Estate Investing Starts with the Right Financing Strategy

Real estate investing remains one of the most popular ways to build long-term wealth, generate rental income, and diversify an investment portfolio. Whether you're purchasing your first investment property or expanding an existing portfolio, choosing the right financing strategy is just as important

Renting vs. Buying in Plainfield, IN: 2026 Homeowner's Guide

Should you rent or buy in Plainfield? Compare 2026 market data, Indiana tax savings, and local buyer programs to find your financial break-even point.

Three Financial Steps Before You apply for a Mortgage.

Buying a home is one of the largest financial decisions most people make. Preparing early can help you qualify more easily and avoid surprises during the mortgage process

Bank Statement Loans

The wrestling match between filing taxes in order to qualify for a certain house is a tale as old as time. For many years, lenders have turned down self-employed clients due to low income on returns. Bank statement loans have become a fantastic solution to help business owners not have to worry.

"Honey, let's get a mortgage today!"

-Says No One

1st Time Homebuyer

Have you considered buying a home in the next 6 months? If so this article is for you! Free 1st Time Homebuyer ebook when you set up a time with me. clark.harvey@presidential.com NMLS 240452 Co NMLS 421593 EHL

Is the CMG All-in-One Loan Right for You?

¿Conviene solicitar tu préstamo con un banco o con un Mortgage Broker?

Descubre las diferencias entre solicitar un préstamo hipotecario con un banco tradicional y trabajar con un Mortgage Broker. Aprende cómo comparar opciones de financiamiento para encontrar la alternativa que mejor se adapte a tus necesidades.

Why Some Pre-Approvals Fail—and the Questions Every REALTOR® Should Ask

Why Some Pre-Approvals Fail—and the Questions Every REALTOR® Should Ask

Divorce and the Mortgage: What Happens to the House?

Divorce and the mortgage: whoever keeps the house needs to actually qualify to keep it, and a divorce decree alone doesn't take anyone off the loan. Only a refinance, assumption, sale, or payoff does that. Four options: sell, refinance into one name, assume the existing loan, or keep it joint temp.

Moving During Market Changes: How 2026 Housing Trends Affect Your Relocation

Moving During Market Changes: How 2026 Housing Trends Affect Your Relocation. Timing a move around the housing market has always required some guesswork. In 2026, it requires more than usual.

CHIEF ETHICS OFFICER

Laura King Fannie Mac America Banker Attorney Seattle Washington Therapist Direct Support Professional

Can I Buy a House with Bad Credit in Cincinnati?

Buying a home in Cincinnati with bad credit is possible. Learn about FHA, USDA, and OHFA programs that help Ohio buyers qualify with scores as low as 500.

Accessing Equity with the All-In-One Loan

Traditional Mortgage vs. the CMG All-in-One Loan

Would you rather have a loan for a home or a Financial Tool?

What Is a Healthy Mortgage Rate—and How Can Wyoming Protect Starter Homes?

Wyoming’s shortage of affordable homes is forcing first-time buyers to compete with investors while current owners stay put to keep their low mortgage rates. A seven-day first-look period could give owner-occupants a fairer chance to buy before homes become rentals.

They Still Loved Each Other… They Just Wanted Different Retirements

Learn how a couple navigating a silver divorce used HECM for Purchase reverse mortgages to buy homes that matched their retirement goals without taking on required monthly mortgage payments. Discover how home equity can support housing decisions after divorce.