Conventional Loans · Home Buying · News

How to Get a Conventional 97 Loan | Requirements 2021

August 10, 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. […]

Read More...

Home Buying · News · USDA Home Loans

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

August 3, 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 […]

Read More...

More

News · Understanding Mortgages

Stated Income Loans Available in 2021

July 21, 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? […]

Read More...

Cash Out Refinance · News

Investment Property Cash Out Refinance | 2021 Guidelines

July 13, 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 were hard to […]

Read More...

Home Buying · News · Understanding Mortgages

Avoid PMI Without 20% Down | Guide 2021

May 20, 2021

“Affordable Loan Solution” Program 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 […]

Read More...

Mortgage Rates · News · VA Home Loans

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

May 13, 2021

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. […]

Read More...

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 […]

Read More...

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 […]

Read More...

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.

Read More...

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 […]

Read More...

Get Free Quote

Choose Loan Type:

Conventional Refinance VA Streamline Refinance FHA Streamline Refinance Home Purchase Conventional Home Purchase FHA Home Purchase USDA Home Purchase



Choose Your State:

Choose Your State... Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. of Columbia Florida Georgia Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming







• Search

• As Seen On

  

• Tim Lucas

  

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

• Subscribe to our Mailing list

  Don't miss important home loan updates. Sign up for our newsletter. Your privacy is assured. More

  * indicates required

  Email Address *

  First Name

  Last Name

  
  
• 

• Categories

  • Ask Tim
  • Cash Out Refinance
  • Conventional Loans
  • Credit
  • Expert Interviews
  • FHA Loans
  • HARP
  • HARP 3.0
  • Home Buying
  • Homeowner Tips
  • Investment Properties
  • Jumbo Loans
  • Mortgage Rates
  • Mortgage Strategy
  • News
  • Niche Mortgage Products
  • Private Mortgage Insurance
  • Q&A
  • Real Estate Market
  • Refinance
  • Uncategorized
  • Understanding Mortgages
  • USDA Home Loans
  • VA Home Loans

• Recent Posts

  • Mortgage Relief | Mortgage Stimulus Program 2021
  • Current Mortgage Interest Rates | September 2021
  • Fannie Mae High Loan-to-Value Refinance Option (HIRO) Guidelines for 2021
  • Why does getting a mortgage take so long?
  • Low Appraisals in a Hot Market | 2021