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Navigating Mortgages as a Self-Employed Professional: A Guide to Non-QM Lending

For self-employed professionals, the mortgage process can feel like passing through a maze, fraught with challenges and uncertainties. Traditional lending standards often favor individuals with stable, predictable incomes, leaving entrepreneurs and freelancers in a precarious position. However, there’s a solution gaining traction in the mortgage industry: Non-Qualified Mortgages (Non-QM). We’ll explore how self-employed individuals can… Continue reading Navigating Mortgages as a Self-Employed Professional: A Guide to Non-QM Lending

Are You Ready for Home Ownership? Find Out by Answering These 4 Questions

Do you ever dream about a larger, roomier, or more luxurious living space? Or perhaps just want to experience the joy of owning your own home and building your net worth instead of renting? Let’s explore a few questions that can help to answer whether or not you’re ready for a new lifestyle as a… Continue reading Are You Ready for Home Ownership? Find Out by Answering These 4 Questions

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How to Get a Home Loan With Less-Than-Stellar Credit

A lousy credit score makes for a poor roommate, but you can learn to live with it. A man hands over the keys to a new home. You can still become a homeowner, but you may have to go through the back door to do so. By Geoff Williams Jan. 30, 2015 | 11:58 a.m.… Continue reading How to Get a Home Loan With Less-Than-Stellar Credit

Moonlighting No Help to Americans Seeking to Buy a Home

Yael Ishakis, a loan officer for First Meridian Mortgage, rejected an application three weeks ago from a woman who had a high credit score and a 20 percent down payment. The 47-year-old home health aide needed the combined income from her full-time position and a part-time night job, which she held for 18 months, to… Continue reading Moonlighting No Help to Americans Seeking to Buy a Home

How to Refinance Your Home

There is so much information out on the Internet that when it comes to refinancing homes it can be not only tricky to find the truth, but stressful. If you’re trusting your financial future to a random article off the Internet you might be in for some trouble. That’s why we’ve reached out to experts… Continue reading How to Refinance Your Home

Working With A National vs Local Lender

Buying your home is most likely the largest purchase you will make in your lifetime. Unless you’ve just recently won the lottery or have a very generous rich uncle, you will need to qualify for a mortgage. When you begin to research lender options, knowing how to choose can be difficult. What is the difference… Continue reading Working With A National vs Local Lender

Veterans, Get Your Dream Home With A VA Loan

VA Loans are mortgages set up by the United States Department of Veterans Affairs for veterans or their families (in case of death while on service). The VA loan program allows veterans to obtain long-term financing as a reward for dedicated service to this country. As a qualified veteran, you can qualify for a VA… Continue reading Veterans, Get Your Dream Home With A VA Loan

7 surprising perks of VA loans

Why don’t you have one of these mortgages? Home loans guaranteed by the Department of Veteran Affairs have been growing in popularity over the past few years. Lenders made a record 629,300 VA loans during fiscal 2013. And no wonder. Banks and mortgage companies like them because the VA agrees to cover up to 25%… Continue reading 7 surprising perks of VA loans