Latest Articles
First-Time Homebuyer Mortgage Guide for Western New York
Explore first-time homebuyer mortgage options in Western New York, including Conventional, FHA, VA, USDA and SONYMA programs, down payment options, pre-approval and local homebuyer assistance resources.
Tom Liolos100Can I Buy a House With Bad Credit? You May Have More Options Than You Think
Think your credit is too low to buy a home? You may have more options than you think. Learn how credit scores, recent payment history, collections, and your overall financial picture can affect your ability to qualify for a mortgage.
Lisa J. Foster30FHA Loan Guide: Buying in Rolla, MO
Navigate FHA credit scores, LTV limits, and locality-specific guidelines for buying a home in Rolla, MO, with expert advice from loan officer Val Nuttall.
Val Nuttall90How to Buy a Home With an FHA Loan Without Using Your Own Money for the Down Payment in Baldwin County, Alabama
Yes—many Baldwin County buyers can use FHA financing without supplying the 3.5% minimum required investment from their own bank account. A standard FHA loan still requires a minimum investment, but eligible gift funds, a family gift of equity, or approved down-payment assistance may cover it.
Tom Kalagher100HomeZero FHA Program: Flexible Down Payment Assistance for Homebuyers
HomeZero FHA combines flexible financing with forgivable and repayable down payment assistance options designed to help qualified buyers reduce upfront homebuying costs.
Anthony Angelillo40Higher Income? You Can Still Get Georgia Dream Assistance
Earn too much for Georgia Dream Standard? Peach Plus offers higher income and purchase price limits, plus, even repeat buyers qualify for up to $10,000 in down…
Mitchell Blyler61How Much Money Do You Really Need to Buy a House?
How much money do you really need to buy a house? It may be less than you think. Learn about down payments, closing costs, loan options, gift funds, grants, retirement funds, homebuyer resources, and how much you should keep in savings after closing.
Lisa J. Foster40Supreme Dream: Which DPA Option Is Right for You?
Supreme Dream offers two down-payment assistance paths: a 3.5% forgivable second loan or a 5% repayable one. Here's which fits your budget and goals.
David Rivera20FHA OR CONVENTIONAL? CHOOSE WRONG AND IT COULD COST YOU.
FHA or conventional? See how down payment, credit, mortgage insurance, and monthly costs can change which loan makes sense for a Denver buyer.
Jennifer Chicano90FHA Loans: The Truth After 20 Years in the Trenches
Think FHA loans are a last resort? 23-year mortgage veteran Bob Marek explains why they are often the smartest path to a better home.
Bob Marek150From "You Can't" to "I Did": The Strategy Behind the Key
When every lender says no, the answer isn't always a better rate—it's a better strategy.
Shaun Tadlaoui40The 25-Year FHA Strategy: Turning Denials Into Approvals
When FHA's TOTAL Scorecard returns a Refer on a 30-year term, running the same file as a 25-year loan can flip the outcome to Approve/Eligible.
Michael Engelking2200Columbia MO Mortgage Guide: 2026 Home Loan Strategy
Buying a home in Columbia, Missouri? Compare Conventional, VA, Physician, Bank Statement, FHA, USDA, Jumbo and Construction financing based on your property…
Zach Brown40Low Appraisal in Columbus? Your Next Move Depends on the Loan
An appraisal under contract price plays out three different ways depending on whether the buyer is using FHA, VA, or conventional financing. Here are the actual procedures, the limits, and the one deadline most agents have never heard of.
Tucker Watson80Think You Need 20% Down to Buy a Home? Think Again
Many renters may be closer to homeownership than they realize. Recent survey data reveals common misconceptions about down payments, income, and credit. Learn why getting the facts can be the first step toward homeownership and long-term wealth building.
Tracy Leddy120Think You Can’t Afford a Home in Orlando? The Numbers May Surprise You
For many first-time homebuyers in Central Florida, the biggest obstacle to homeownership isn’t necessarily qualifying for a mortgage—it’s the belief that buying a home requires tens of thousands of dollars sitting in the bank.
Roberto Rafael Martinez2940What Credit Score Do You Need to Buy a Home in Arizona?
To buy a home in Arizona, you typically need a 620 credit score for conventional loans or 580 for FHA financing.
Scott Brom60Can I Buy a House with Bad Credit in Cincinnati?
Buying a home in Cincinnati with bad credit is possible. Learn about FHA, USDA, and OHFA programs that help Ohio buyers qualify with scores as low as 500.
Simon Amor5390Creative Mortgages for Underserved Florida Homebuyers
Traditional lenders often overlook self-employed and first-time buyers. Discover how Ryan Speltz finds creative mortgage solutions for non-traditional…
Ryan J. Speltz50USDA vs. FHA Loans: Which Government Mortgage Program Wins?
Choosing between USDA and FHA loans? Compare 0% down USDA options against flexible 580-credit FHA programs. Find the best mortgage for your budget and location.
Scott Shannon121Down Payment Assistance in Missouri and Kansas (2026 Guide)
Missouri and Kansas assistance programs differ by geography and amount. Learn 2026 eligibility rules, income limits, and why the $40,000 KHRC grant excludes…
Zach Brown51FHA vs. Conventional: Why Lower Credit Scores Save With FHA
For borrowers with credit scores under 720, FHA loans often provide a lower monthly payment than conventional loans, despite industry bias.
Jon Hill242Best Home Buyer Loans 2026: Rates, Points & Fees Compared
In 2026, the best mortgage isn't just the one with the lowest rate. Learn why fees and points matter as much as interest, and how mortgage planning math saves…
Matt Stein705 Tips to Quickly Increase Your Credit Score for a Home Loan
Increase your credit score for a mortgage with these 5 proven tips. Learn how scores as low as 580-600 can still qualify for a home loan in 2026.
Kendrick and Janna Gilli60
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