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Loan Essentials

by Chad Baker January 19, 2021

High Equity Can Bring a Variety of Advantages to Your Mortgage

Recently, we wrote an article about how to build equity in your home . We discussed topics like making larger mortgage payments, funneling extra income (bonuses, gift cash, etc) into the mortgage, and even waiting for time to simply increase the value…

FHA Low FICO Loans Support Home Purchases Across the Country

by Chad Baker April 3, 2020 0Comments

For some borrowers, the lack of a downpayment is a significant challenge. For others, their income might keep them from being able to purchase a top-quality home in the neighborhood they prefer. For some, their credit holds up the mortgage…

Buying a Vacation Property or Second Home: 6 Important Considerations

by Chad Baker March 18, 2020 0Comments

Owning your own personal vacation home is a wonderful way to give yourself an exclusive sanctuary. No reservations required; you can simply drive (or fly) to your property and enjoy a nice weekend getaway. Or, with today's mobile technology, even a month-long…

2020 Mortgage Limits for Conventional Loans

by Chad Baker March 6, 2020 0Comments

2020 mortgage limits reflect a consistent trend in the real estate industry: a continual, steady increase in home pricing. If you plan on purchasing a home in 2020, it helps to know these limits and understand why they are set at a…

Young couple receiving keys to first home

Seven Reasons Why Our Minimum-Down-Payment Program is Great for First-Time Buyers

by Chad Baker March 15, 2019 0Comments

As a first-time homebuyer, you have a lot to consider. There are new terms, new information, and important concepts to learn. In many cases, the confusion is compounded by “advice” from friends, family, real estate agents, lenders, and more; advice…

Mortgage Glossary Of Terms: Part 2

by Chad Baker November 19, 2018 0Comments

Want to better understand mortgages? Then you need to understand the essential terms. Using this mortgage glossary, you’ll have a better understanding of real estate and the mortgage industry. This is Part 2 in our mortgage glossary series. Read Mortgage Glossary…

Mortgage Glossary of Terms: Part 1

by Chad Baker November 16, 2018 0Comments

Mortgages can be complicated, with lots of confusing terms and acronyms that seem like they come from another language. But you don’t need to be a real estate agent or a lending professional to speak the language of mortgages. With…

Suburban home purchased using an FHA loan with a 500 credit score

How to Secure FHA Loans with a 500 Credit Score

by Chad Baker October 12, 2018 0Comments

In 1934, the Federal government passed the National Housing Act as part of the “New Deal,” which was President Franklin D. Roosevelt’s massive plan to provide relief from the Great Depression, relief that would come, it was hoped, through government-funded projects and…