Recent Articles
Why Now Is the Time to Apply for a Mortgage
Mortgage demand is surging as rates drop. Don’t wait—now’s the time to apply and lock in your opportunity before competition heats up.
Published on 03/05/2025
Mortgage Rates Hit 4-Month Lows: What This Means for You
Mortgage rates have dropped to a 4-month low, creating new opportunities for homebuyers and homeowners looking to refinance. Learn how to take advantage of lower rates today.
Published on 02/26/2025
Buying vs. Renting in 2025: Why Homeownership Still Wins
In 2025, buying a home is more affordable than renting in most U.S. markets. Learn why homeownership remains the smarter long-term investment.
Published on 02/19/2025
Home Prices Are Rising—But That’s a Good Thing!
Home prices are rising at a steady pace, creating great opportunities for buyers and sellers in 2025. Learn how this balanced market benefits you!
Published on 02/13/2025
Thinking About Moving in 2025? Here’s How to Make It Happen!
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
Published on 02/05/2025
How to Prepare for Homeownership While You’re Still Renting
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.
Published on 02/04/2025
Overcoming Credit Challenges: A Guide for Potential Homebuyers
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.
Published on 02/04/2025
How to Prepare for a Mortgage & Improve Your Approval Odds
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!
Published on 02/03/2025
How the Latest Executive Order and Mortgage Rates Impact Homebuyers in 2025
President Trump's executive order targets housing costs, but mortgage rates remain steady. Learn how these changes impact homebuyers and homeowners in 2025.
Published on 01/29/2025
Celebrating American Resilience: A Look at Recent Mortgage Rate Trends
Explore mortgage trends and homeownership insights this Inauguration Day.
Published on 01/20/2025
The FHA 203(k) Home Loan: A Flexible Option for Homebuyers with a 580 Credit Score
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.
Published on 01/19/2025
Taking Responsibility for Your Credit and Building a Better Financial Future
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.
Published on 01/16/2025
What to Save for When Buying Your Home
How to decide if you have enough savings to buy a home
Published on 01/13/2025
Understanding the Impact of Credit Scores on Mortgages
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.
Published on 01/10/2025
Understanding Automated Underwriting: What It Is and What the Results Mean
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?
Published on 01/10/2025
Expert Predictions for the 2025 Housing Market
Find out what the experts are anticipating for 2025 housing
Published on 01/10/2025
How to Boost Your Odds of Receiving an Approve/Eligible from an Automated Underwriting System (AUS)
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.
Published on 01/08/2025
How to Buy a Home with Low Income: Yes, It’s Possible!
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!
Published on 12/11/2024
Affordable Homeownership: 6 Questions to Help Lower Costs
Affording a home in today’s market can feel overwhelming, but there are actionable steps you can take to make it easier.
Published on 12/04/2024
Fall for Savings: Why the Holiday Season Might Be the Best Time to Buy a Home
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.
Published on 11/27/2024