First-Time Home Buyer · Home Buying

Low Rate Mortgages | 2026

December 25, 2025

What is a good mortgage rate in today’s market? What qualifies as a “good mortgage rate” is in the eye of the beholder. But certain types of home loans offer […]

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Home Buying

Buying a house with a boyfriend or girlfriend

January 10, 2024

Most couples used to get married before making any major financial decisions together. But today, one in four unmarried couples between 18 and 34 buy a house together, according to […]

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Conventional Loans · FHA Loans · Home Buying · Private Mortgage Insurance · USDA Home Loans · VA Home Loans

5 Ways to Buy a Home with 5% Down or Less

January 10, 2024

One of the most common misconceptions about mortgages is that you need 20% down to buy a home. Nothing could be further from the truth. The fact is that there […]

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FHA Loans · Home Buying

FHA Loan Down Payments | Requirements 2026

January 10, 2024

With an FHA loan, nearly all borrowers will be able to pay as little as 3.5% of the home’s purchase price as a down payment.

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Conventional Loans · FHA Loans · Home Buying

Down Payment Gift Money for First-Time & Repeat Home Buyers

January 5, 2024

Here’s one thing you should know as a first-time or repeat home buyer: You don’t have to come up with a down payment by yourself. Family members can help. If […]

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Home Buying · Understanding Mortgages · USDA Home Loans

USDA Loans: First-time Home Buyer’s Guide 2026

January 5, 2024

First-time home buyers can get three big benefits from a USDA loan: If you meet the USDA’s geographic and income rules, a USDA Guaranteed Loan could make you a homeowner […]

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Home Buying

Seller Contribution Maximums for Conventional, FHA, VA, USDA | 2026

January 5, 2024

Mortgage closing costs range from 2-5% of a home’s purchase price. That can add up. But, many sellers are eager to pay your closing costs in order to sell their home […]

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Home Buying · Mortgage Strategy

The Do’s & Don’ts of Down Payment Gifts | Free Gift Letter Template

January 5, 2024

When buying a home, the biggest upfront expense is likely to be the down payment, which is typically between 3.5 and 20 percent of the home price. Even if future […]

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Home Buying

How much is a down payment on a house? (FHA, VA, USDA, Conventional)

January 5, 2024

Many people still think you need a 20 percent down payment to buy a house. However, many borrowers are able to buy homes with little or no down payment. There […]

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Home Buying · News

$25,000 Downpayment Toward Equity Act | What To Know

January 4, 2024

Saving a down payment is a major obstacle for many would-be home buyers, especially borrowers looking to get their first mortgage. While a down payment doesn’t necessarily need to be […]

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