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    • San Ramon, CA

    © 2026 VOCE.COM. All rights reserved.

    1. Read
    2. Topics
    3. Personal Finance
    4. Home Loans

    Home Loans

    134 articles
    96 experts

    Latest Articles

    • Most Common Questions About Down Payment Assistance in Arizona

      Down payment assistance programs can make buying a home in Arizona more affordable, but many homebuyers aren’t sure how they work or whether they qualify. Here are answers to some of the most common questions about down payment assistance in Arizona.

      Annette Hunt10
    • How to Make a Strong Offer on a Wyoming Home Without Overpaying

      A strong offer does not always have to be the highest offer. The goal is to present a clear, reliable offer that meets the seller’s needs while still protecting your budget and financial future.

      Kim Woodworth20
    • Understanding Today's Mortgage Market

      Ready Starts With a Plan:

      Brian Dewald50
    • Why Self-Employed Homebuyers Struggle with Big Banks

      Tax returns don't capture what a business owner really earns. Here's how conventional underwriting hurts self-employed borrowers — and the bank statement loans…

      Nicholas Monroy20
    • Bank Statement Loans: The Self-Employed Fast Track

      Self-employed buyers: discover how bank statement loans simplify qualification without the high-rate penalty you might expect.

      Paul Geske60
    • What If Part of Your Down Payment Is Hiding in Your Monthly Spending

      We found over $6,000 a year hiding in plain sight. Here’s why the habit matters as much as the money.

      Josh Velazquez30
    • UAD 3.6 Appraisal Redesign: What Homebuyers Should Know

      The new UAD 3.6 appraisal form goes mandatory November 2, 2026. Here's what the redesigned report means for homebuyers and the closing timeline.

      Alvaro Molina51
    • Fairway's Home Budget Booster: A New Path to Ownership

      Learn how Fairway's Home Budget Booster cuts your mortgage rate 0.5% for the first year, freeing cash for move-in costs. Runs Sept 28 to Dec 31, 2026.

      Nick Sisto121
    • Why Your Big-Bank Mortgage Costs You Time and Money

      Experience and pricing matter. See why big-name lenders often drag their feet and cost borrowers thousands, and how working with a broker can save you money…

      Brandyn Livingston1590
    • Virginia Housing Grant: Buy a Home with Zero Down

      Discover how the Virginia Housing secondary mortgage grant covers your down payment and closing costs so you can buy a home with no extra money out of pocket.

      Ami Patel270
    • How Much Cash to Buy a Home in LA and Orange County

      Discover the true cost of buying a home in Greater Los Angeles and Orange County, including down payments, closing costs, and reserves.

      Keegan Cin30
    • Mortgage Options for Self-Employed Fort Worth Borrowers

      Self-employed in Fort Worth? Bank statement loans let you qualify on cash flow, not just tax returns.

      Hayden Allen100
    • The Self-Employed Mortgage Secret: Bank Statement Loans

      Tax write-offs can sink a conventional mortgage application even when business is booming.

      Danny Tyroch50
    • Florida Purchase Market: A Buyer's Guide

      Whether you're a first-time buyer or an out-of-state investor, here's what to know about Florida's housing market in 2026 — and the loan options that may fit…

      Eric Winterstein751
    • Buying in Today's Market: A Buyer's Advantage

      Find out how a shifting market can work in your favor as a home buyer, with practical steps for turning more inventory and open negotiations into your…

      Matt Tedesco140
    • Smart Paths to Your First Home: A Local Guide

      Low-down and zero-down loan programs, plus local Kentucky assistance, may bring a first home within reach. Jeff Prow at Northpointe Bank explains the paths.

      Jeff Prow90
    • The Mortgage Rate Paradox: Rising Rates in a Slow Economy

      Mortgage rates are climbing past 7%

      Craig Brock130
    • How Business Owners Qualify for a Mortgage Without Tax Returns

      Can you get a mortgage without providing tax returns? If you're self-employed, the answer may be yes. Here's the Who, What, When, Where, & Why Breakdown:

      Hayden Allen100
    • ¿Compraste una propiedad en subasta y necesitas capital para renovarla? Así funciona el Fix & Flip

      Descubre cómo funciona una estrategia Fix & Flip, qué debes analizar antes de comprar una propiedad y cómo un préstamo puede ayudarte a financiar las renovaciones y preparar el inmueble para su reventa.

      Maria Ballester150
    • When a Traditional Mortgage Doesn't Fit

      Not fitting a traditional mortgage program is not the same as not qualifying for a mortgage.

      Josh Schaendorf240
    • First Time Buyers

      Information to help first time buyers.

      Craig Martin80
    • 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

      Olivia Eggen30
    • VantageScore 4.0 and Your Mortgage Credit

      The mortgage industry is shifting from FICO to VantageScore 4.0. Here's what it means for your credit score, your rent payments, and your home buying power.

      David Haley341
    • Qualifying With a 12-Month Bank Statement Loan

      Self-employed borrowers may be able to use 12 months of bank deposits instead of tax returns to qualify income for a home loan. Here's how cash flow may unlock mortgage approval.

      Dan Bardenhagen120

    Showing 24 of 134 articles

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    Real Estate Buying and Selling11
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    Top Experts

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      Kim Woodworth

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      Andre Makapagal

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      Craig Messman

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      Hayden Allen

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      Dave Cook

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      Zach Brown

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      Mark Merry

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      Maria Ballester

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      Mitchell Blyler

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      Dan Buchholz

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      Urbandale, IA
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      Aaron Meilich

      Sales Manager - Construction & Specialty Portfolio Lending NMLS #769327

      2 articles