Home Buying · News · USDA Home Loans

USDA Home Loans | Zero-Down Eligibility & Qualification [Updated for 2021]

April 7, 2021

USDA home loans offer 100% financing, low rates, and affordable payments. These loans are becoming more popular by the day, as buyers discover an easier way to buy a home […]

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Ask Tim · FHA Loans · News · Refinance

Can I Use an FHA Refinance to Remove a Borrower?

February 12, 2021

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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News · Understanding Mortgages

Stated Income Loans, plus Alternative Documentation Loans for 2021

February 11, 2021

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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Conventional Loans · News · Refinance

Conventional Refinance Rates, 2021 Loan Limits and Guidelines

February 10, 2021

A conventional refinance is the loan of choice for many homeowners in today’s market. While HARP and FHA have dominated the refinance market in years past, the standard conventional refinance is becoming […]

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Home Buying · News · Understanding Mortgages

Avoid PMI Without 20% Down | Guide 2021

February 4, 2021

“Affordable Loan Solution” Offers 3% Down Loan A new loan program requires just 3 percent down and no mortgage insurance. The “Affordable Loan Solution” mortgage is a new conventional loan […]

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

Piggyback 80 10 10 Loans Will Save You Money in 2021

January 28, 2021

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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Conventional Loans · Home Buying · News

How to Get a Conventional 97 Loan | Requirements 2021

January 15, 2021

What is a Conventional 97 Loan Program? The 97% loan-to-value (LTV) purchase program allows homebuyers to purchase a single-family home, condo, co-op, or PUD with just a 3% down payment. […]

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Cash Out Refinance · News

Investment Property Cash Out Refinance | 2021 Guidelines

January 1, 2021

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 […]

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HARP · News · Refinance

Complete HARP Refinance Rates & Guidelines | Updated for 2021

January 1, 2021

Editor’s Note: The HARP program expired December 31, 2018. The Freddie Mac Enhanced Relief Refinance (FMERR) loan program is a popular replacement option. Plus, Fannie Mae’s High LTV Refinance Option […]

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Mortgage Rates · News · VA Home Loans

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

December 12, 2020

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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  • USDA Home Loans | Zero-Down Eligibility & Qualification [Updated for 2021]
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  • USDA Loan: First Time Home Buyer’s Guide