Low Credit Score FHA Home Buyers Might Qualify in 2026
Borrowers may be eligible for a low credit score FHA loan. In 2015, FHA added a new measure of lender performance, meant in part to ease the pressure…
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Tim Lucas
Tim Lucas (NMLS #118763) was an editor of MyMortgageInsider.com. He has appeared on Time.com, Realtor.com, Scotsman Guide, and more.
Articles by Tim Lucas
100% Financing Home Loans 2026 (USDA, VA, FHA)
100% financing home loans for new and repeat home buyers One hundred percent financing home loans are mortgages that finance the entire purchase price of a home, eliminating…
USDA Home Loans | Requirements & Qualifications 2026
A USDA home loan offers 100% financing, low rates, and affordable payments. These loans are becoming more popular as more buyers discover they can buy a home with…
FHA 203(k) Loan: How Does It Work? | Requirements 2026
If you have found a home you love, but it’s in bad shape, the FHA 203k loan may be the perfect way to buy and renovate, simultaneously. No…
Buying a House with a Zero-Down VA Home Loan In 2026
A VA home loan is available only to eligible veterans and active duty service members of the U.S. military. Considering there are about 18 million veterans, according to…
Avoid PMI Without 20% Down | Guide 2026
“Affordable Loan Solution” program offers 3% down loan The “Affordable Loan Solution” mortgage is a conventional loan program from Bank of America intended to be a less expensive…
How To Calculate Self-Employment Income for a Mortgage | 2026
When you apply for a mortgage, the lender will calculate your income to check whether you can afford regular house payments. For self-employed borrowers, that calculation works differently.…
Fannie Mae Family Opportunity Mortgage | 2026 Guidelines
You can buy a house for an elderly parent and get better interest rates by classifying it as "owner occupied." The Family Opportunity Mortgage is a great way…
Conventional 97 Loan | Guidelines & Requirements 2026
What is the conventional 97 loan program? A Conventional 97 loan allows homebuyers to get a conventional mortgage with only 3% down. The program is named for the…
VA Entitlement Codes & Eligibility for 2026
The U.S. Department of Veterans Affairs (VA) backs VA home loans. They offer Veterans and active-duty servicemembers a way to buy a home with zero down payment and…