Home Buying

Buying A House with Student Loan Debt: The Complete Guide

July 29, 2022

Understanding Mortgages

Can I Change My Job Prior To Buying A Home? | 2024

July 25, 2022

The short answer is changing jobs can affect your loan approval. From your mortgage lender’s perspective, your employment history and income are paramount to your ability to make your payments. […]

Home Buying · USDA Home Loans

USDA Income Eligibility | How Much Can You Make and Get a USDA Home Loan?

July 25, 2022

There is hope for borrowers who cannot get a conventional loan and have low to moderate income. The USDA loan program offers no-down-payment, 100 percent financing through a guaranteed loan […]

Home Buying

5 Surprising Income Types Mortgage Lenders Allow

July 25, 2022

The news is inundated with stories of lenders making it tough for some borrowers to qualify for mortgage loans. But while that can be true, borrowers with unique circumstances shouldn’t […]

Home Buying

Best ways to get pre-approved quickly and efficiently for a mortgage

July 25, 2022

If you are serious about buying a house in the next few months, there is one thing you should do right away: get a mortgage pre-approval. It could be your […]

Home Buying · Understanding Mortgages

The Best Way to Buy a Home for a Disabled Adult Child

July 25, 2022

Typically those who buy a home can only take advantage of the best interest rates and mortgage terms if it is an “owner-occupied” property, meaning they plan to live in […]

Conventional Loans · FHA Loans · USDA Home Loans · VA Home Loans

Get A Mortgage With Less Than 20% Down

July 25, 2022

Low down payment mortgage options Many home buyers believe they need a 20% downpayment to buy a home. This misconception could stop buyers before they start, and cost them years […]

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 […]

Ask Tim · Credit · Home Buying

How Long After a Foreclosure Can I Buy a Home?

July 25, 2022

Can you buy a home after a foreclosure? Buying again after a foreclosure, short sale, or deed-in-lieu of foreclosure can be done, with some hard work — and waiting. Mortgage […]

USDA Home Loans

USDA Streamline Refinance Program Guidelines & State Chart 2024

July 25, 2022

Editor’s note: The USDA streamline refinance pilot program has been rolled out nationwide. It is now available in all 50 states and is called the USDA streamlined-assist refinance. The USDA […]