FHA Loans · Home Buying · Understanding Mortgages

Buying a Fixer Upper: What Kinds of Fixer Upper Loans are Available?

August 11, 2022

There are quite a few loan options available to buy fixer-upper homes. “By buying a fixer-upper, you can definitely increase the value of the home as it appreciates and as […]

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Home Buying · Understanding Mortgages

Can You Get a Mortgage with Disability Income?

August 11, 2022

Those with disabilities and disability income can qualify for these special home buying programs as well as standard mortgage loans. Qualifying for a mortgage with disability income Life hasn’t always […]

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Home Buying

Mortgage Pre-Approval Letter: The Complete Guide

August 11, 2022

A mortgage pre-approval letter is a document from a lender confirming their willingness to lend you a specified maximum amount of money.

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Home Buying · Mortgage Rates

When Is an Adjustable Rate Mortgage (ARM) a Good Idea?

August 1, 2022

Why take an adjustable-rate mortgage (ARM)? Why not just take a fixed rate and not worry about what rates might do in the future? That’s a fair question, and a […]

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FHA Loans · Home Buying

Buying a Home With an FHA Loan | Rates & Requirements 2022

August 1, 2022

The Federal Housing Administration (FHA) loan is one of the greatest tools for first time and repeat homebuyers. With a minimum down payment of 3.5%, great rates, and lenient credit guidelines, […]

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Home Buying

Buying A House with Student Loan Debt: The Complete Guide

July 29, 2022

Can you buy a house with student loan debt? There are ways to get a mortgage with student loan debt, even if you’re saddled with a hefty monthly student loan […]

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Home Buying · USDA Home Loans

USDA Income Eligibility | How Much Can You Make and Get a USDA Home Loan?

July 25, 2022

There is hope for borrowers who cannot get a conventional loan and have low to moderate income. The USDA loan program offers no-down-payment, 100 percent financing through a guaranteed loan […]

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Home Buying

5 Surprising Income Types Mortgage Lenders Allow

July 25, 2022

The news is inundated with stories of lenders making it tough for some borrowers to qualify for mortgage loans. But while that can be true, borrowers with unique circumstances shouldn’t […]

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Conventional Loans · FHA Loans · Home Buying · News · Private Mortgage Insurance

Piggyback 80 10 10 Loans Will Save You Money in 2022

July 25, 2022

An 80 10 10 loan is a mortgage option in which a home buyer receives a first and second mortgage simultaneously, covering 90% of the home’s purchase price. The buyer puts just 10% down. This loan type is also known as a piggyback mortgage.

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Home Buying

Best ways to get pre-approved quickly and efficiently for a mortgage

July 25, 2022

If you are serious about buying a house in the next few months, there is one thing you should do right away: get a mortgage pre-approval. It could be your […]

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  Mortgage expert Tim Lucas has been helping home owners for over 12 years.

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