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Latest Articles
Bankruptcy or Foreclosure? Here’s When You May Be Able to Buy Again.
Bankruptcy or foreclosure does not automatically end your path to homeownership. Mortgage waiting periods vary by loan program, event and the date the clock actually starts.
Jennifer Chicano60Can You Use Rental Income to Qualify for a Mortgage? New Fannie Mae Rules
Yes, rental income can help you qualify for a mortgage—but the amount a lender can count may be less than you expect.
Brian Martucci10The FHA 203k Advantage for Realtors: Turning Fixer-Uppers Into Closed Deals
The FHA 203k lets your clients finance the home and its repairs in one mortgage — turning 'unmarketable' fixer-uppers into closed deals and bigger commissions.
Bob Marek120The First-Time Buyer's Guide to Mortgage Pre-Approval
Mortgage pre-approval tells you what you can borrow and what rate you'll pay. Here's the paperwork, the credit scores, and the do's and don'ts for first-time…
Bond Peter Njoku10Do You Really Need 20% Down to Buy a Home in Texas?
Think you need 20% down to buy a home in Texas? Explore conventional, FHA, VA, and down payment assistance options for Austin-area buyers.
Matt270FHA vs. Conventional: Which Loan Is Right for You?
FHA and conventional loans differ on credit floors, down payments, and mortgage insurance.
TJ Kuczewski260The Silver Lining: Why High Rates Create a Buyer's Market Advantage
High mortgage rates feel like bad news — but they hand buyers real leverage. Here's how to use negotiating power, seller concessions, and lighter competition…
Viridiana Martinez20Why Your Texas Mortgage Payment Isn't Just the Home Price
Buying in Texas? Principal and interest are only half the story. See how property taxes and insurance define your real monthly budget before you fall for a…
Bond Peter Njoku10The Friday Frame-Up: Rates, Incentives, and Your Weekend Strategy
A weekend briefing for Tennessee Realtors on turning the latest 30-year rate drop and builder incentives into closings — with the sales script and the FHA vs.
Tony Naples40Financing Your First Manufactured Home: A Quality, Affordable Alternative
Manufactured homes offer quality at a fraction of the cost of stick built. A 25-year mortgage banker explains how HUD Code standards, FHA/VA financing, and land…
Kim Melton40FHA vs. Conventional Loans: Which Mortgage Is Right for You?
Senior Loan Officer Dan Smith compares FHA and conventional loans for Bloomington, Indiana homebuyers, covering 2026 mortgage insurance costs, credit…
Dan Smith20MINIMUM CREDIT SCORES FOR WINCHESTER HOMEBUYERS
Credit score minimums for Winchester, VA homebuyers vary by loan type — FHA, VA, USDA, and conventional. Here's what you need to qualify in today's market.
Scott Brookshire20Understanding FHA Loans and Current Mortgage Rate Trends
Explore how FHA loans work for homebuyers and see how this week's national mortgage rate trends impact your potential home purchase.
Terry Mcbride91Can I Buy a Home With Collections or Judgments?
Can you buy a home with collections or a judgment on your credit? Yes, often. Learn how FHA's collection rules and judgment handling actually work for Phoenix…
Virginia Fargo201Maximum Seller Credits: A First-Time Buyer's Guide
Seller credits let a seller pay part of your closing costs — but limits vary by loan type.
Joe Bixler10FHA, VA, or Conventional: The Real Cost of a Low Rate
A lower FHA or VA rate can look like the win, but mortgage insurance and fees decide the real cost. Here's how to compare the three loans on your own numbers.
Michael McDermott40One-Time Close Construction Loans: A 2026 Guide
Build and finance your custom home with one closing. Learn how one-time close construction loans work and compare FHA, VA, and Conventional options from GMFS…
Brad Johnson290Stop Waiting: How to Win in Today's Rate Market
Rates near 7.5% aren't a reason to wait. Sellers in Delray Beach are offering concessions — and you can use them to buy down your rate and cut closing costs.
Michelle Sadownick40Mortgage Insurance: When You Can Drop the Extra Cost
PMI, MIP, and USDA guarantee fees aren't the same, and neither are the rules for dropping them.
Tom Kalagher240Buying a First Home in San Diego: The Strategy That Works
San Diego's median home price hit $965,000 with inventory under 3 months. Here's how first-time buyers can actually win in this market.
Corey Weber20Buying Your First Home in the RGV: Is Now the Right Time?
First-time buyer in the Rio Grande Valley? Here's what the 2026 market looks like — prices, rates, and down-payment help — and how the Baez team gets you to…
Mario Baez400FHA vs. Conventional: A First-Time Buyer's Guide
Is an FHA loan right for your first home? Compare credit scores, down payments, and pros vs. cons to find the mortgage that fits your budget.
Monique Smith30FHA Elite: A Flexible Financing Option for Today’s Homebuyers
FHA Elite offers qualified homebuyers a flexible FHA financing option with fixed-rate mortgages, a 640+ FICO requirement, and temporary rate buydown availability. The program can work for first-time and repeat buyers purchasing eligible primary residences, including single-family homes, condos, PUDs
Anthony Angelillo180Buying a Vermont Home With No State DPA
Skipping the state's down payment assistance doesn't mean saving up 20%. Southwest Funding's FHA, VA, USDA, and conventional options get Vermont buyers to…
Shay Yates180
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