Resources

Learn the 28/36 rule with a clear definition, an easy example, and simple ways to improve DTI so you can set a right-sized home budget and prepare for approval.

Income needed for a 700k mortgage. Learn the salary ranges, key affordability factors, down payment options, scenarios, tips, FAQs, plus alternatives.

Learn what an HOA fee is, what it covers, how much it costs, and why understanding HOA fees matters for homebuyers and owners considering a property purchase.

The Fed is making a habit of cutting interest rates. Should this trend get buyers off the fence and into new homes?

Explore home equity investment pros and cons, key eligibility, risks, and how it compares with HELOCs, home equity loans, and cash-out refinance options.

Find out how a mortgagee clause protects lenders and homeowners, why insurance providers require it, and how to add one to your policy.

Learn how soft versus hard credit checks differ, how they affect your credit score, and how to avoid too many inquiries to keep your credit going strong.

Discover how the tenancy in common structure works. Learn the pros and cons of this co-ownership model to see if it makes sense for your situation.

Saving for a home can be tough. Can you buy a house without a down payment to make it easier? Discover the options and learn about the pros and cons.

Learn how to qualify for a home loan as a first-time buyer: credit, down payment, and programs like FHA, VA, and assistance to lower costs and close faster.

Learn how to secure a mortgage without 2 years of work history. Explore lender rules, exceptions, and the best loan alternatives to qualify for a home.

Compare reverse mortgage vs. HELOC vs. home equity loans: who qualifies, how they work, costs, pros and cons, and when each option makes sense for your goals.

Understand FHA loan inspection requirements, what appraisers check, when inspections are triggered, common fails, and next steps to keep your closing on track.

Learn what a letter of explanation for a mortgage is, why lenders request it, what to include, how to write it, examples, and what happens after you submit one.

Mortgage rates have settled into a holding pattern. The October Fed meeting supports this trend which could be a good sign for homebuyers.

What does conditionally approved mean? Learn common lender conditions, next steps to close, FAQs, and how to avoid denials to keep your mortgage on track.

Learn how FHA mortgage insurance removal works, when you qualify, ways to refinance to cut costs, and what to expect after dropping MIP. See tips and FAQs.

Learn what a no-appraisal home equity loan is, why lenders offer them, how to qualify, and explore key pros, cons, and alternatives for faster financing.

Learn how to choose a mortgage lender by comparing rates, fees, and service. Discover lender types, red flags, and smart questions to ask before you apply.

What debt should I pay off first to raise my credit score? Compare revolving vs. installment, pick strategies like avalanche/snowball, and avoid score dips.