Conventional Loans · Home Buying · News

Conventional 97 Loan | Guidelines & Requirements 2023

May 5, 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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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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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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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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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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News · Understanding Mortgages

Stated Income Loans Available in 2023

November 8, 2022

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 Refinance · News

Investment Property Cash Out Refinance | 2023 Guidelines

November 8, 2022

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. While they were hard to […]

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FHA Loans · News

Complete an FHA Streamline Even if You Have a Second Mortgage

August 11, 2022

Some buyers find that they have built equity in the home a few years after buying it using an FHA mortgage. So they take out a home equity loan or […]

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Conventional Loans · News · Refinance

Conventional Refinance | Rates, 2023 Loan Limits & Guidelines

July 25, 2022

A conventional refinance is one of the most versatile loans in today’s market. Conventional refinances can convert any type of mortgage loan into a conventional loan. Simultaneously, a conventional refi […]

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Ask Tim · FHA Loans · News · Refinance

Can I Use an FHA Refinance to Remove a Borrower?

July 25, 2022

The FHA streamline refinance allows borrowers to reduce their rate with no pay stubs, no W2s, and no appraisal. But is an FHA streamline possible while simultaneously removing a borrower […]

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