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Category: News

Significant events happen in the mortgage market every day. Lending rules change constantly, and rates are always in flux. We give you the news, but also the “so what” factor: how market changes affect your home finance plans. Whether you plan to buy or refinance, our reports will help you make the best decisions and lower your homeownership costs.

25000 Downpayment Toward Equity Act

Home Buying · News

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

September 19, 2023

Saving a down payment is a major obstacle for many would-be home buyers, especially first-time homeowners. While a down payment doesn’t necessarily need to be 20% of the purchase price, […]

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Aerial view of rural neighborhood homes

Home Buying · News · USDA Home Loans

USDA Home Loans | Requirements & Qualifications 2023

September 5, 2023

USDA home loans offer 100% financing, low rates, and affordable payments. These loans are becoming more popular as more buyers discover they can buy a home with no down payment. […]

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smiling-small-business-owner-selling-baked-goods

News · Understanding Mortgages

Stated Income Loans Available in 2023

July 17, 2023

Stated income loans are making a comeback — sort of. Extremely popular in the early 2000s, stated income loans were one of the factors of the housing market collapse. Why? […]

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Cash out refinances and investment properties

Cash Out Refinance · News

Investment Property Cash-out Refinance | 2023 Guidelines

July 10, 2023

Putting investment property equity to work Cash-out refinancing for primary residence (owner-occupied) homes are gaining in popularity, but so are cash-out loans for investment properties or second homes. While they […]

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Conventional loans with 3 percent down

Conventional Loans · Home Buying · News

Conventional 97 Loan | Guidelines & Requirements 2023

July 10, 2023

What is the conventional 97 loan program? The Conventional 97 program allows homebuyers to get a conventional mortgage loan with only 3% down. The program is named for the 97% […]

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New Loan Program Requires 3% Down No Mortgage Insurance

Home Buying · News · Understanding Mortgages

Avoid PMI Without 20% Down | Guide 2023

June 30, 2023

“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 option than […]

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Underwriting problems that could slow down your home purchase

News · Understanding Mortgages

Common Mortgage Underwriting Problems that Could Stop Your Loan Approval

November 15, 2022

The application process to get a mortgage may seem a little daunting with all the information you reveal. But just because you get through the application doesn’t mean it’s over, […]

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Why are USDA loans becoming more popular?

News · USDA Home Loans

USDA Home Loans Popular in All 50 States as Buyers Enjoy 14-Year-Old Eligibility Maps

November 15, 2022

Since 2009, USDA home loans have helped over 650,000 families buy a home with zero down payment. The popularity of this home loan is no surprise. It’s one of the […]

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united-states-flag-flying-outside-house

Mortgage Rates · News · VA Home Loans

VA Streamline (IRRRL) Refinance Loan: Easier Refinancing for Veterans

November 15, 2022

A VA Streamline Refinance is also known as an Interest Rate Reduction Refinance Loan, or IRRRL, because it is designed to help homeowners lower their mortgage rate quickly and easily. […]

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80-10-10 piggyback mortgage

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

Piggyback Loan (80/10/10 Mortgage) | Rates & Requirements 2023

November 14, 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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