Thinking about moving in 2025? Learn why so many Americans are relocating and how to turn your dream move into reality with the right planning
Are you dreaming of owning a home but not quite ready to buy? Whether it’s your credit score, savings, or income, don’t stress—you can start preparing right now while you’re still renting. By making a few smart financial moves today, you’ll be in a much better position when the time comes to apply for a mortgage. Here’s how to set yourself up for success while you wait.
Are you dreaming of owning a home but feel stuck because of your credit? You’re not alone. Many aspiring homeowners face credit challenges that feel overwhelming, but the good news is that improving your credit and qualifying for a home loan is absolutely possible. This guide is here to help you understand the common barriers to credit repair and give you practical, step-by-step advice to overcome them.
Buying a home is a major financial decision, and preparing for a mortgage takes planning—especially if your credit score isn’t where you want it to be. The good news? Even if you don’t qualify for an automated mortgage approval, you may still get approved through manual underwriting by using compensating factors to strengthen your application. Let’s break down what you need to know about debt-to-income (DTI) ratios, manual underwriting, and compensating factors—plus tips to improve your approval odds!
President Trump's executive order targets housing costs, but mortgage rates remain steady. Learn how these changes impact homebuyers and homeowners in 2025.
Explore mortgage trends and homeownership insights this Inauguration Day.
If you’re considering purchasing a home that needs a little extra love, the FHA 203(k) home loan could be your ticket to making it your dream home. This unique financing option allows you to combine the purchase price of a property with the costs of necessary repairs or renovations, all in one loan. And here’s the best part: you can qualify with a credit score as low as 580.
Your credit score is a powerful financial tool, shaping your ability to access loans, secure housing, and even get certain jobs. If you have bad credit, it’s easy to feel overwhelmed or discouraged. However, it’s important to understand that in many cases (though not all), credit problems stem from financial habits and decisions. The good news is that these habits can be corrected, and your credit can be repaired. Let’s explore this in a thoughtful way and outline steps you can take to regain control.
How to decide if you have enough savings to buy a home
When it comes to buying a home, your credit score is more than just a number—it's a crucial factor that can significantly affect your mortgage options and financial future. This is especially true for FHA loans, a popular choice among homebuyers due to their lower down payment requirements and greater leniency with credit scores. Today, we'll explore how different credit scores can influence your mortgage terms, specifically for a $300,000 home purchase with a 30-year fixed FHA mortgage.
When applying for a mortgage, one of the key steps in the process is the automated underwriting system(AUS). But what is it, and why does it matter for homebuyers?
Find out what the experts are anticipating for 2025 housing
As your loan officer, my goal is to guide you through the mortgage process and help you achieve that all-important "Approve/Eligible" decision from the Automated Underwriting System (AUS). Whether it’s Fannie Mae’s Desktop Underwriter (DU), Freddie Mac’s Loan Product Advisor (LPA), or another system, the AUS evaluates your application based on several key factors. Here’s how to significantly increase your chances of approval.
Learn how to buy a home with low income using practical tips, loan programs, and expert advice. Discover affordable options and assistance programs to make homeownership possible!
Affording a home in today’s market can feel overwhelming, but there are actionable steps you can take to make it easier.
While spring and summer are traditionally popular for real estate transactions, the fall and holiday months offer unique advantages that can make buying a home during this period particularly beneficial.
While living with parents can be a practical solution in certain circumstances, exploring homeownership can offer long-term financial benefits and personal growth.
While economic indicators like inflation and Federal Reserve policies are important, the current increase in housing inventory and slower price growth present a promising opportunity for homebuyers.
Explore how the Fed’s expected rate cut and recent election outcomes could impact economic policy, inflation, and job growth—what this means for borrowers and the broader economy.
Buying a home is one of the biggest financial decisions you’ll make, but it doesn’t need to be scary.
