As a self-employed individual, qualifying for a mortgage can be a challenging, sometimes overwhelming process. This is where a bank statement loan for self-employed borrowers comes in. In this guide, we’ll explain how bank statement loans work, who qualifies, the…
One of the most crucial factors affecting your monthly payment and overall loan cost when securing a mortgage is your credit score. A higher credit score can mean a better mortgage rate, saving you money over the long term. In…
Pre-Approval Is a Big Milestone Getting pre-approved for a mortgage is an exciting step—it means a lender has reviewed your financial information and given you a clear picture of what you may be able to afford. But many buyers aren’t…
If you’re a homeowner looking to tap into your home’s equity, you’ve probably asked yourself: HELOC vs cash out refinance — which is right for you? Both options can give you access to cash, but they work very differently. The…
When you’re ready to buy a home or refinance your current loan, the first thing on your mind is usually the interest rate. Even a fraction of a percentage point can mean the difference between saving and spending tens of…
The competition for good homes is fierce, no thanks to historically low inventory and fluctuating interest rates. To help you navigate these waters, I’ve broken down the five most effective strategies for buyers today. If you’re wondering how to get…
Finding an affordable path to homeownership can feel like an uphill battle in today’s market. But what if there was a “hidden” mortgage program that most lenders don’t even mention? I’m talking about the Area Median Income (AMI) program. It’s…
If you are a real estate investor, you’ve likely heard of the Debt Service Coverage Ratio (DSCR) loan. But there is a specific, powerful niche in this market that many aren’t aware of: the no ratio DSCR loan for investment…
Buying a home is one of the most exciting milestones in life, but the financing side of things can be a minefield if you aren’t prepared. To help you breeze through your home-buying or refinancing process, I’ve put together a…
Why the First Conversation Matters Your first consultation with a mortgage professional is an important step in the homebuying journey. It’s not a commitment to apply—it’s a conversation designed to help you understand your options, your buying power, and what…
