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    • San Ramon, CA

    © 2026 VOCE.COM. All rights reserved.

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

    Mortgages

    14 articles
    13 experts

    Latest Articles

    • Keep and Rent: Turning Your Home Into a Rental

      Converting your primary residence to a rental can turn your first home into a wealth-building asset. Here's how to make the numbers, taxes, and financing work.

      Lerea Arellano60
    • Self-Employed? Your Tax Return Isn't the Whole Story

      Self-employed buyers often hit a wall at mortgage time — not because they lack income, but because tax-return underwriting ignores real cash flow.

      George Koutsos90
    • The Home Buying Process in Kentucky: A Step-by-Step Guide

      From pre-approval to closing day, learn the essential steps of buying a home in Kentucky in 2026 — with local market insight from REALTOR Jerry Dempsey.

      Jerry Dempsey40
    • VA Home Loan Benefits: A Guide for Veterans

      Explore the 2026 benefits of VA home financing, from $0 down payments to no PMI and tax-deductible funding fees, explained by mortgage expert Clark Harvey, NMLS 240452.

      Clark Harvey200
    • Experience the Difference of Personalized Service

      The Difference of Having a Dedicated Loan Officer

      Christie Latham110
    • The Self-Employed Mortgage Minefield: A Proactive Guide

      Most loan officers can't read a complex tax return. Veteran lender Mark Smith exposes the technical landmines that kill self-employed mortgages and how to fix…

      Mark Smith140
    • Denver Home Buying: Why PMI Is a Tool, Not a Trap

      Buying in Denver with less than 20% down? Discover why private mortgage insurance (PMI) is actually a strategic market entry tool in the current housing…

      Cameron Becnel110
    • How to Qualify for a Mortgage Without Tax Returns (2026)

      Self-employed borrowers often struggle with traditional mortgage requirements. Learn how bank statement loans offer a path to homeownership in 2026.

      Cameron Becnel172
    • Texas VA Loan Guide: What Veterans Need to Know Before Buying a Home

      Texas veterans can buy a home with $0 down and no PMI in 2026. Senior Loan Officer Josh Penland explains VA loan benefits, exemptions, and Austin market trends.

      Josh Penland13153
    • Ultimate VA Home Loan Benefits Guide

      Discover how to maximize your VA home loan benefits. Learn about 0% down payments, latest funding fee updates, and how to skip PMI to save thousands.

      Monique S. Diggs50
    • The Fed Doesn't Control Mortgage Rates

      Most people assume mortgage rates move whenever the Federal Reserve changes interest rates—but that's not actually how it works. In this article, I'll explain what really drives mortgage rates and how understanding the difference can help you make smarter home buying and refinancing decisions.

      Dave Cook1301
    • Prequalify for Free Using HomeIQ and LoanBot AI (2026)

      Discover how to use My Home IQ and LoanBot AI to play with the numbers and prequalify yourself for free. Take control of your home equity and buying power in 2026.

      Tim Powers80
    • Home Buying Success: 5 Essential Steps for 2026 Buyers

      Master the 2026 housing market with these 5 proven strategies. From verified pre-approval to strategic offers, learn how to secure your dream home this year.

      Jeffrey Claeson381
    • Conquering First-Time Homebuyer Fears in 2026: Expert Guide

      Overcome 2026 homebuyer anxiety. Learn how to navigate down payments, maintenance fears, and Albuquerque market trends with loan expert John Gabaldon.

      John Gabaldon140

    Related Tags

    Home Financing36
    Financial Planning33
    Insurance26
    Health Insurance20
    Life Insurance10
    Home Insurance7
    Credit Cards2
    Financial Assistance1
    Options1
    Consumer Banking0

    Top Experts

    • C

      Cameron Becnel

      Loan Officer

      2 articles

      Littleton, CO
    • L

      Lerea Arellano

      Mortgage Loan Originator | NMLS #1309362

      1 article

      Pueblo, CO
    • G

      George Koutsos

      Senior Vice President | NMLS #29613

      1 article

      Beverly, MA
    • J

      Jerry Dempsey

      REALTOR

      1 article

      Elizabethtown, KY
    • C

      Clark Harvey

      Mortgage Loan Officer | NMLS 240452

      1 article

      Bethesda, MD
    • C

      Christie Latham

      Loan Officer | NMLS# 959118

      1 article

      Clayton, NC
    • M

      Mark Smith

      Senior Loan Officer | NMLS# 295910

      1 article

      San Antonio, TX
    • J

      Josh Penland

      Branch Manager & Sr Loan Officer

      1 article

      Round Rock, TX
    • M

      Monique S. Diggs

      Sr. Mortgage Loan Originator | NMLS# 2105964

      1 article

      Baton Rouge, LA
    • D

      Dave Cook

      Branch Manager / Loan Officer

      1 article

      Denver, CO
    • T

      Tim Powers

      Branch Manager 178079

      1 article

      Scottsdale, AZ
    • J

      Jeffrey Claeson

      Sales Associate

      1 article

      Marietta, GA