Latest Articles
How Much Are Closing Costs When Buying a Home?
Your down payment isn't the only money you'll need when buying a home. Learn what closing costs include, how cash to close is calculated, which costs may be negotiable, and how seller concessions and lender credits can potentially reduce what you bring to closing.
Dave Cook20Debt Consolidation Guide for Homeowners
High-interest debt costs homeowners about 21% APR. Learn how to shift credit card balances into lower-cost home equity debt — the math, the tradeoffs, and the…
Thierry Abel20The 10-Year Treasury Is Coming Down. What Treasury’s Bigger Buyback Program Could Mean for Mortgage Rates
The U.S. Treasury just announced plans to at least double buybacks of longer-term Treasury debt. Here’s why the 10-year Treasury yield fell, how Treasury buybacks work, and what the move could mean for mortgage rates and homebuyers.
Ryan J. Speltz40Why So Many Wyoming Homeowners Have Equity Locked in Their Homes—and How a Refinance Could Put It to Work
More than four in ten mortgaged Wyoming homes were equity-rich in early 2026. For some homeowners, a thoughtful refinance review may reveal opportunities to consolidate debt, improve a property, remove mortgage insurance, or choose a loan structure that better fits their goals.
Kim Woodworth50Portable Mortgages: How the MOVE Act Could Unlock Housing
Rep. Tom Kean's MOVE Act would let homeowners keep their low mortgage rate when moving.
Derek Berry40Iowa's #1 Loan Officer: Dan Buchholz Tops Experience.com
Dan Buchholz, Executive Mortgage Consultant at HomeServices Lending in Urbandale, has been named the #1 Loan Officer in Iowa by Experience.com's 2025 Top…
Dan Buchholz40First-Time Home Buying in Central Maine: A 2026 Guide
A step-by-step guide to buying your first home in Waterville and Central Maine, from MaineHousing grants to closing.
Holly Carey20The 5 Certainty Checkpoints: A Smarter Way to Navigate the Homebuying Process
This article introduces Tracy Leddy’s Five Certainty Checkpoints—Payment, Financing, Offer, Property, and Closing Certainty—a simple framework designed to help homebuyers navigate the mortgage process with greater clarity, preparation, and confidence.
Tracy Leddy110Why the Fed Hold Matters for Your 2026 Refinance
Onpoint Mortgage Pro explains why the Fed's August 2026 rate-hold creates a strategic window: time to strengthen credit and equity before refinancing opens in…
Victor Santos100VA Loans: The $0 Down Path to Homeownership
Discover how VA loans empower veterans to buy homes with zero down payment and no monthly mortgage insurance — plus what Georgia buyers should know from a…
Trowell Jernigan10USDA Loan Eligible Areas in Mid-Missouri: Columbia, Ashland & Jefferson City, MO 2026 Guide
Ashland, Hartsburg and Wardsville qualify for USDA $0 down. Columbia and Jefferson City do not. See all 20 towns and check any address free.
Zach Brown70How Much Down Do You Need for a House in 2026?
That 20% down rule no longer applies. See how loans and Colorado assistance programs can get you into a home with 3% to 5% down — or less.
Megan Wiegand50What's the prescription for lower interest rates?
More -bps!
Andre Makapagal171Homeownership May Be Closer Than You Think
Think you need perfect credit or a huge down payment to buy a home? Think again.
Gerry Carranza305 Costly Homebuying Mistakes to Avoid in Hamilton County
Senior Loan Officer Jon Knight shares 5 critical mistakes Hamilton County buyers make and how to secure your financing before you shop.
Jon Knight2990Bank Statement Loans: The Self-Employed Homebuyer's Edge
Your CPA's tax deductions can shrink your reported income below what a conventional lender will accept.
Jeff Nunley2141Do Midterm Elections Move Mortgage Rates?
Every two years, buyers and homeowners ask the same question heading into a midterm election: will rates spike, drop, or hold steady until the results are in? This article breaks down what actually happened to the 10-Year Treasury yield, the mortgage-backed securities (MBS) spread, and the 30-year f
Thierry Abel100Colorado First-Time Home Buyer Guide: 2026 Roadmap
Buying a first home in Colorado in 2026: CHFA down payment assistance up to $25K, income limits, FHA vs. conventional, and the real steps from offer to closing.
Cameron Becnel41The Complete Guide to VA Home Loans at Fort Meade (2026)
PCSing to Fort Meade? Maximize your VA home loan benefit with this 2026 expert guide to Maryland's top military communities, BAH rates, and zero-down financing.
John Shea1781Business 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.
Hayden Allen61My (California) East Tennessee Neighborhood?
...blame the developer! 😉
Andre Makapagal100"Honey, let's get a mortgage today!"
-Says No One
Andre Makapagal3521st 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
Clark Harvey1460Incorrect collection on your credit report? Here's how to remove it
Here are some tips and tricks to get that erroneous collection or late payment removed from your credit report.
Megan Thoms52
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