Low Down Payment Mortgage Options - FHA Loan vs Conventional Loan

Low Down Payment and First Time Home Buyer Programs 2023 Edition

100% FHA! Conventional 1% down mortgage + 2% down payment assistance! What are Low Down Payment, First Time Home Buyer Programs 2023? First Time Home Buyer Programs 2023 Edition What are the low down payment mortgage and first time home buyer programs available in 2023? VA still offers 100%, zero-down financing. But what if you’re […]

House Hacking - Strategic Real Estate Investment Concept - Two Front Doors Symbolizing House Hacking Opportunity on Brick Wall Background

Unlocking New Opportunities: House Hacking Made Easy with 95% LTV Financing

The Game-Changer for Real Estate Investors Are you dreaming of entering the world of real estate investment through house hacking? Well, here’s some exciting news for you – the game just got easier! Thanks to recent developments in financing options, purchasing 2-4 unit properties with up to 95% loan-to-value (LTV) is now a reality. What’s […]

How much house can I afford?

How Much House Can I Afford? Insider Tips and Home Affordability Calculator

‘How Much House Can I Afford?’ (The Ultimate Guide) Hey there, future homeowner! We’re here to help you unravel the exciting world of home buying, specifically answering the question: ‘How Much House Can I Afford?’ Our Home Affordability Calculator is like your personal compass, guiding you towards the house of your dreams without breaking the […]

Mortgage Insurance MI

Mortgage Insurance – Who needs it?

Who needs Mortgage Insurance? If you’re buying a house with less than 20% down payment, the answer is YOU. Mortgage Insurance is often abbreviated in the industry as “MI”. Some conforming home loans with less than 20% down do offer “No MI” or Lender-Paid MI. That option can be advantageous if you only plan to be […]

Loan Max VA and Conforming Loan Limits

Loan Max VA & Conforming Loan Limits 2021

Loan Max – VA Loan Limits and Conforming Loan Limits Loan Max Updated and Increased for 2021 – although the US Department of Veteran Affairs does not set a limit for VA Home Loans – most lenders do set limits and the VA Home Loan limits match Conforming Loan Limits. See VA Loan Benefits. Conforming Loans […]

How much is a down payment on a house

How Much is a Down Payment on a House? – Do you have enough?

How much is a down payment on a house? That varies whether you are a First Time Home Buyer, repeat buyer, or qualify for any unique loan programs. For many people, the minimum is 3% of the purchase price with a Conventional Loan (up to your Conforming Loan Limits) or 3.5% for a FHA Loan […]

Meeting with a Mortgage Broker

Meeting with a Mortgage Broker – Free Online Consultation

Meeting with a Mortgage Broker We’ve always offered meeting with a Mortgage Broker options for in-person and over the phone, but sometimes in-person is preferred. When you want (or have to) stay in the comfort of your home, we’re offering online video consultations via Zoom. Please contact us to schedule a time. We’re happy to […]

Cash out Refinance Video

Considering a Cash Out Refinance? Video, Maximums, & Calculators

Cash Out Refinance Home values have been increasing lately, and that means equity! Did you know that having equity in your home provides an excellent opportunity for a cash-out refinance? What could you do with a little extra money? This 46-second video has some ideas: Would you use cash-out to finance your dream vacation? Pay […]

10 Questions You Must Ask Your Mortgage Broker or Lender

10 Questions You Must Ask Your Mortgage Broker or Lender Mortgage brokers and their lending partners are an integral part of the home-buying process for many prospective homeowners. Mortgage brokers work as the intermediaries between you as the homebuyer and the lender offering various mortgage options. While you can get a mortgage on your own […]

5 Mortgage Pre-Approval Tips to Get You Into Your Dream Home

5 Mortgage Pre-Approval Tips to Get You Into Your Dream Home Buying a home to call your own is a common financial goal among most adults. Home-ownership represents different things to different people. For many, it offers a sound strategy for accumulating wealth, while setting a steady foundation for the future. Purchasing a home is […]

How to Obtain a Mortgage Pre-Approval – The Step by Step Guide

How to Obtain a Mortgage Pre-approval The home buying game is cutthroat enough, so to get the best deal you can get, you’ll want every advantage possible. Something you may not have considered is a home loan pre-approval. Maybe you’ve never heard of a pre-approval, or maybe you stopped after getting a mortgage pre-qualification. Either […]

Best Mortgage Rates MN

How to Be Offered the Best Mortgage Rates

How to Be Offered the Best Mortgage Rates “Am I being offered the best mortgage rates?” As a Mortgage Loan Originator, I’ve had my share of that question. I also know it’s not a simple answer. Companies can’t guarantee they have the best mortgage interest rates. However, there are ways to improve your likelihood of being […]