News · Understanding Mortgages

Stated Income Loans, plus Alternative Documentation Loans for 2019

June 28, 2019

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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Home Buying · News

Qualifying for a Mortgage With Student Loan Debt

April 16, 2019

If you struggle with student loan debt, you’re not alone. The average student loan borrower has $37,172 in student loans when they graduate, an increase of $20,000 from only 13 […]

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Conventional Loans · News · Refinance

Conventional Refinance Rates, 2019 Loan Limits and Guidelines

January 2, 2019

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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Conventional Loans · Home Buying · News

Conventional 97% LTV Program: Buy a Home with 3% Down In 2019

January 2, 2019

Home buying just got a lot easier. Fannie Mae and Freddie Mac, the country’s two main mortgage rule-making agencies, now allow home purchases with just a 3% down payment. The 97% […]

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Cash Out Refinance · News

Investment Property Cash Out Refinance | 2019 Guidelines

June 21, 2018

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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Mortgage Rates · News · VA Home Loans

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

June 1, 2018

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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Ask Tim · FHA Loans · News · Refinance

Can I Use an FHA Refinance to Remove a Borrower?

May 16, 2018

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 from […]

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Home Buying · News · USDA Home Loans

USDA Home Loans | Zero-Down Eligibility & Qualification [Updated for 2019]

January 25, 2018

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 with zero down […]

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HARP · HARP 3.0 · News

15 Months Left to Qualify for HARP 2.0

September 25, 2017

Editor’s Note: The HARP program expired Dec. 31, 2018, but most homes have increased in value considerably since HARP rolled out. This means many homeowners may currently be eligible for […]

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HARP · News · Refinance

Complete HARP Refinance Rates & Guidelines

August 28, 2017

Editor’s Note: The HARP program expired Dec. 31, 2018, but most homes have increased in value considerably since HARP rolled out. This means many homeowners may currently be eligible for […]

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

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• Recent Posts

  • Current Mortgage Interest Rates
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  • FHA Streamline Refinance: Negotiate Zero Out-of-Pocket Closing Costs