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Blog Image: Can you a Buy a Home with Bad Credit?

Can you a Buy a Home with Bad Credit?

Mortgage interest rates are at record lows and it could be a really good time to get into the housing market. Of course, to get a mortgage loan for a home purchase lenders will look at your credit score. If you’re scared of what they’ll find when they check, can you still buy a home? Credit Scores Explained Three separate credit reporting bureaus keep track of all your credit history – Equifax, Experian, and TransUnion. They use a scoring system to give you a FICO number to reflect how responsible you are with repaying debts. The breakdown looks like this: Excep...

February 24th, 2021 | Purchasing a Home, Can you a Buy a Home with Bad Credit?

Blog Image: The Little-known Mortgage That Doesn’t Require a Down Payment

The Little-known Mortgage That Doesn’t Require a Down Payment

A conventional mortgage loan requires a 20% down payment. If you are a first-time homebuyer however, saving up tens of thousands of dollars can seem like an impossible task. Of course, there are loan programs, like FHA mortgages, that allow for low down payments, but they often have stricter requirements. For some of those programs, you may have to pay higher interest rates, have better credit scores, or pay higher mortgage insurance fees.  Fortunately, there is a little-known mortgage loan that requires no down payment and minimal fees: the USDA loan. USDA Loan Defined These are mo...

February 10th, 2021 | Government Loans, USDA Loans, The Little-known Mortgage That Doesn’t Require a Down Payment

Blog Image: 6 Tips for Saving a Down Payment as a Renter

6 Tips for Saving a Down Payment as a Renter

Homeownership is the American Dream, and yet with house prices on the rise, it can sometimes feel unattainable if you’re still trying to make a rent payment each month. The average U.S. rent for a two-bedroom apartment as of June 2020 was $1,917, according to Rent.com, an increase of $39 over 2019. While that may not seem like a huge jump, it does make it harder to save for buying a house, especially when average home prices have risen 15% in roughly the same time, according to the National Association of Realtors. Even with increasing prices, it is possible to save for that firs...

January 27th, 2021 | First-time Homebuyers, Purchasing a Home, 6 Tips for Saving a Down Payment as a Renter

Blog Image: 4 Predictions for the 2021 Mortgage Market

4 Predictions for the 2021 Mortgage Market

The 2020 housing market surprised everyone by quickly bouncing back after slumping during the first few months of the coronavirus pandemic. What might the coming year hold as the country continues to fight its way through this crisis? The experts at the National Association of Real Estate Editors conference last week made these four predictions for the mortgage world in 2021. Mortgage Rates Will Rise from Record Lows As the COVID crisis eases and the economy improves, long-term mortgage interest rates (which hit multiple historic lows this year) will begin to rise. Averaging 3.0% in 20...

January 13th, 2021 4 Predictions for the 2021 Mortgage Market

Blog Image: What You Need to Know About VA Loan Credit Requirements

What You Need to Know About VA Loan Credit Requirements

When it comes to house loans, aspiring homebuyers have a variety of mortgage options to choose from. Whether you’re looking at conventional (private mortgage) or non-conventional loans (government-backed), finding the best option for your financial situation is crucial so you can purchase your dream home. If you are a veteran serving in the military, you can apply for a Veterans Administration (VA) loan. This loan is a program established by the United States Department of Veterans Affairs—previously the Veterans Administration—which helps US veterans, active duty service ...

January 11th, 2021 What You Need to Know About VA Loan Credit Requirements

Blog Image: All About VA Loan Entitlements for Veterans

All About VA Loan Entitlements for Veterans

Veterans are the modern-day superheroes that fight for the freedom of the American people. With the millions of Americans risking their lives for the free world, it is only right their service is duly repaid and recognized. Thankfully, the Department of Veterans Affairs (VA) is the government agency at hand that provides for these heroes’ welfare and safety. When any military personnel comes home from service, they usually look for a home first. Spending months or even years away from the United States creates an atmosphere of homesickness, and this is where it becomes time to seek th...

January 11th, 2021 All About VA Loan Entitlements for Veterans

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