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    • San Ramon, CA

    © 2026 VOCE.COM. All rights reserved.

    1. Read
    2. Topics
    3. Personal Finance
    4. Mortgage Finance

    Mortgage Finance

    30 articles
    26 experts

    Related Tags

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    Latest Articles

    • Keeping the House in Divorce: A Guide to Mortgage Buyouts

      Deciding to keep your home during a divorce involves more than emotional ties. Mortgage expert Shelley Mitchell breaks down equity buyouts and refinance…

      Shelley Mitchell51
    • Mortgages & Home Financing

      How California Home Solution helps borrowers who don't fit a bank's box: self-employed, investors, or anyone told no before.

      Henri Walsh52
    • "Self-Employed? Your Tax Returns Aren't the Only Way to Qualify"

      Self-employed borrowers

      Kelly Manderscheid142
    • How to Choose a Real Estate Agent: 5 Questions to Ask

      Most homebuyers settle for the first agent who calls back. Here is how to interview a real estate agent like a professional to save time and money.

      Craig Messman20
    • Thinking About Using a VA Loan? Start With These 5 Questions

      Thinking About Using a VA Loan? Start With 5 Questions. Buying your first home can feel overwhelming, especially when you're also trying to understand how your VA benefits fit into the process. The good news is that most of the questions I hear have straightforward answers.

      Mitchell Blyler30
    • 5 Costly Mistakes That Could Jeopardize Your Home Purchase

      5 Costly Mistakes That Could Jeopardize Your Home Purchase

      Judi Melton130
    • Mastering Your Mortgage: How Credit Scores Save You $200K+

      Your credit score can save you over $264,000 on a 30-year mortgage. Learn how FICO 10T impacts your 2026 house hunt and how to optimize your rate.

      Ron Beebe20
    • Mortgage Pre-Approval: The Power of Upfront Transparency

      Discover why a verified mortgage pre-approval is the 'currency' of 2026 real estate and how providing complete financial documentation upfront prevents…

      Matt Stein51
    • Home Improvement Permits: Types and Costs 2026 Guide and some time savings tips!

      Explore 2026 home improvement permit costs, ranging from $150 to $3,000. Learn about structural, electrical, and plumbing triggers with expert Aaron Meilich.

      Aaron Meilich80
    • OpenAI Hardware, Housing Law, and The 3-Year Rule

      OpenAI ships its first gadget, the ROAD to Housing Act becomes law, and why the best real estate strategies take 156 weeks to pay off.

      Ty Morton100
    • Can You Get a Mortgage After Switching From W-2 to Self-Employment?

      Switching from W-2 employment to self-employment does not automatically prevent you from qualifying for a mortgage. Learn how lenders evaluate 1099 and business income, what documents may be required, and when borrowers with less than two years of self-employment may still qualify.

      Mark Merry00
    • Buy Before You Sell in Arizona: Financing Options for Homeowners Who Need to Move First

      This article explains how Arizona homeowners can purchase a new home before selling their current property. It compares bridge loans, HELOCs, existing assets, smaller down payments, mortgage recasting, specialized programs, contingent offers, reserve planning, and the risks of carrying two homes.

      Mark Merry00
    • Jumbo Mortgages in Scottsdale: Why Strong Borrowers Still Run Into Approval Problems

      Scottsdale jumbo mortgage expert Mark Merry explains why strong financials aren't always enough for approval. Learn to navigate complex income and asset rules.

      Mark Merry12
    • Benefits of Local Mortgage Lenders: 5 Reasons to Choose Local

      Local mortgage lenders offer faster closings and accurate appraisals. Learn why 2026 home buyers prefer local expertise over national banks for security.

      Dixie Lowe70
    • What Is the North Carolina Housing Finance Agency? (2026)

      The North Carolina Housing Finance Agency provides up to $15,000 in down payment assistance and $2,000 annual tax credits to help NC residents afford a home.

      Christie Latham10
    • Down Payment Assistance: Accessing Homebound Funds in 2026

      With over 2,600 active programs in 2026, down payment assistance is bridge the gap for homebuyers. Learn how to qualify for grants and forgivable loans today.

      Marc R. Williams70
    • How to Win Multiple Offer Situations with a 12-Day Close

      Sellers prioritize certainty over price. Learn how a 12-day close and front-end underwriting can make your offer win against higher bids in a competitive…

      HARRY PHILIBERT00
    • Current Mortgage Rates Breakdown: 2026 Homebuyer Guide

      Average 30-year mortgage rates hit 6.43% in July 2026. Compare fixed vs. adjustable rates and learn how to secure the lowest interest rate for your home.

      Kristy Grams90
    • Buying Your First Home: A Mentor's Guide to a Simple Process

      First-time home buying doesn't have to be hard. Learn how a mortgage professional simplifies the journey with clear steps and tailored loan options.

      Jeff Shealey20
    • Buy Now, Pay Later Risks: Why 'Pay in Four' Is Financial Toxicity

      BNPL services like Klarna and Affirm can derail your mortgage and credit. Learn why 'Pay in Four' frictionless debt is the 'toxic' easy button for your financial situation.

      Mark Smith80
    • Rent vs. Buy in Denver: 2026 Cost Analysis and Trends

      Is it better to rent or buy in Denver? With a $582,167 median home price and rising property taxes, discover the 2026 break-even timeline for Mile High…

      Jennifer Chicano70
    • Bridge Lending: Buy Your Next Home Before Selling Your Old

      Bridge loans in 2026 allow move-up buyers to skip home sale contingencies. Learn about bridge loan rates, 80% LTV limits, and how to outcompete other bidders.

      Hans Bruhner15981
    • Interest Rate Market 2026: Fed Policy & Mortgage Trends

      The Fed holds rates at 3.50% in July 2026 as mortgage rates hover near 6.43%. Explore Goldman Sachs' forecast and what the labor market cooling means for you.

      Artis Alexander400
    • How a Reverse Mortgage Helped a Retired Widow Stay in the Home She Loves

      Discover how a retired widow used a HECM reverse mortgage to eliminate her mortgage payment, improve cash flow, and remain comfortably in her home during retirement.

      Mandie Sue Mills10

    Showing 24 of 30 articles

    Top Experts

    • M

      Mark Merry

      Senior Branch Manager | Mortgage Lender

      3 articles

      Scottsdale, AZ
    • R

      Ron Beebe

      CEO, Senior Loan Broker

      2 articles

      Friendsville, TN
    • M

      Mandie Sue Mills

      Branch Manager

      2 articles

      North Myrtle Beach, SC
    • S

      Shelley Mitchell

      Certified Divorce Lending Professional (CDLP) & Mortgage Advisor

      1 article

      Montgomery, TX
    • H

      Henri Walsh

      Marketing Director & Loan Processor

      1 article

      Woodland Hills, CA
    • K

      Kelly Manderscheid

      Mortgage Loan Originator/SVP of Mortgage Lending

      1 article

      Temecula, CA
    • C

      Craig Messman

      President, Molitor Financial Group / Messman Lending Team

      1 article

      Chicago, IL
    • M

      Mitchell Blyler

      Mortgage Loan Officer | 2074110

      1 article

      Brunswick, GA
    • J

      Judi Melton

      Branch Manager | NMLS# 2178010

      1 article

      Swannanoa, NC
    • M

      Matt Stein

      Certified Mortgage Planner | NMLS# 2003380

      1 article

      Overland Park, KS
    • A

      Aaron Meilich

      Sales Manager - Construction & Specialty Portfolio Lending NMLS #769327

      1 article

    • T

      Ty Morton

      Founder & CEO

      1 article

      Dayton, OH