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Latest Articles
Divorce and Your Mortgage: How to Handle the House
A divorce decree doesn't change your contract with the bank. Learn your options for refinancing, assumptions, and protecting your credit during this transition.
Lavonte Robinson00Can a Rental Property Qualify for Its Own Mortgage? A Wyoming Guide to DSCR Loans
Guild’s Expanded DSCR financing may help Wyoming real estate investors qualify based on the rental property’s cash flow rather than traditional personal income. It can be an option for investors whose tax returns or personal debt make conventional financing more difficult.
Kim Woodworth20The Blueprint for Yuma New Construction: A Start-to-Finish Guide
New construction is a growing slice of the housing market. Here's how Yuma buyers — veterans included — can navigate buying from a builder, from pre-approval…
Spencer Bauer470How to Compare Loan Estimates in Missouri & Kansas
A lower mortgage rate can come with higher upfront costs. Use seven practical checks to compare Loan Estimates, understand the tradeoffs, and prepare for a Missouri or Kansas mortgage second opinion.
Zach Brown110Will Your Overtime, Bonus, Commission or Self-Employment Income Count Toward a Wyoming Mortgage?
Wyoming buyers with overtime, bonuses, commissions, or self-employment income may still qualify for a mortgage if the income is stable, documented, and likely to continue. Applying early gives the lender time to review income trends, calculate qualifying income, and identify the best loan options.
Kim Woodworth20The Hidden Costs of Buying the Cheapest House
The lowest-priced home isn’t always the most affordable. In Southwest Florida, expenses like property taxes, homeowners and flood insurance, HOA fees and special assessments can dramatically change the real monthly cost of ownership. Buyers should look beyond the asking price and compare the full pa
Evan Hankel512What Are The Minimum Credit Scores for Home Loan?
Knowing what your credit score is just one step towards knowing the loan type you want to proceed with. Each loan program has different credit score requirement, and some don't have any at all!
Erika Slayton210Don't Wait for Perfect Rates: The Real Cost of Delay
Waiting for rates to drop could cost you more in equity and price appreciation than you save. Here's how to navigate today's market.
Jas Sohal390Why Legacy First Republic Jumbo ARM Borrowers Could Face an Unprecedented Payment Shock — and How to Check If You're Exposed
A decade ago, First Republic's interest-only ARMs were the sharpest liquidity tool in Bay Area luxury lending. As the last cohort of those 10-year fixed periods rolls off, some of those notes are recasting without the periodic caps most borrowers assume every adjustable-rate mortgage has.
Thierry Abel160Your CPA Saved You Thousands. It Might Cost You The House
Self-employed and want to buy a home? Minimizing your tax liability can backfire.
Mark Smith5030Your Business Did $300,000 in Revenue. Why Isn't That Your Mortgage Income?
Business revenue and mortgage-qualifying income aren't the same thing. Ray Williams explains how lenders look beyond gross revenue to evaluate expenses, tax returns, K-1 income, distributions, current business performance and cash flow and why he evaluates traditional financing first
Ray Williams8110 Questions to Ask Before Choosing a Mortgage Lender in Fort Worth
Before choosing a mortgage lender, ask these 10 questions to make sure you're working with someone who can help you reach your goals.
Hayden Allen70Housing Connect Greensboro: How to Confirm a Participating Lender (Checklist)
A confirm-the-lender checklist for Greensboro Housing Connect buyers: verify the current participating list, match NMLS details, and confirm education and timing before shopping.
Jill Burgess100Choosing a Mortgage Lender in Winston-Salem: Local Proof Checklist
A practical checklist for comparing a local Winston-Salem mortgage lender by office access, NMLS accountability, program fluency, reviews, and follow-through.
Jill Burgess140Buy First or Sell First? A Wyoming Move-Up Buyer’s Guide
Wyoming move-up buyers should compare selling first, buying first, and financing options to find the best fit for their budget and timing.
Kim Woodworth60Home Purchase: Renting vs Buying
🏠 Renting vs Buying: Which One Is Really Better for You?
Craig Martin40Mortgage Broker vs. Bank: What Louisville Homebuyers Should Know Before Choosing a Lender
Louisville homebuyers have several options when choosing a mortgage lender. This article explains the differences between working with an independent mortgage broker and a bank, including loan options, rates and costs, local expertise, and the questions buyers should ask before choosing a lender.
David Moody240DSCR Loans in Savannah: Finance Rentals on Property Income
DSCR loans let Savannah investors qualify on rental income, not W-2s. Here's how they work and why they suit the Hostess City's hot rental market.
Denise Lott230Closing Certainty: What Happens Between Loan Approval and Getting the Keys?
You’re almost there—but what happens between final approval and getting the keys? Closing Certainty helps homebuyers understand the final steps, final numbers and important details that come together before closing day.
Tracy Leddy90New Season, New Keys: Finding Home in Change
Fall is nature's invitation to begin again. For Savannah first-time buyers facing a big life change, the season is the perfect time to plant roots.
Mallory McGee90APPRAISAL CAME IN $25K LOW. NOW WHAT?
A $25,000 appraisal gap sounds like a $25,000 buyer problem. It isn’t always. Here’s what can happen when the appraisal comes in below your purchase price.
Jennifer Chicano180My Business Is Doing Well. Why Does My Tax Return Say I Can't Qualify for a Mortgage?
Successful business owners can sometimes struggle to qualify for a mortgage because taxable income doesn't always reflect the full financial strength of their business. This article explains why I start by evaluating traditional financing before considering alternatives such as bank statement loans.
Ray Williams161The Rate Hike Isn't What You Think.
The Fed raised rates. Before you assume your mortgage rate just jumped too, here's the part the headlines often leave out.
Jennifer Chicano441$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.
Jennifer Chicano190
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