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See side-by-side loans, real monthly costs, and equity growth in minutes. Buying a home is exciting, and a little overwhelming. Rates, points, PMI, closing costs, taxes, insurance… it’s a lot. We build this comparison tool to make those trade-offs crystal…
How buying down your rate works, when it pays, and when to skip it Paying points can lower your interest rate and monthly payment. The key is knowing the breakeven, your time horizon, and whether there is a better use…
Make the Right Choice by Focusing on Monthly Cost When you start exploring mortgages, two of the most common options are FHA loans and conventional loans. Both can get you into a home, but the better choice depends on your…
Alimony and child support can count, but only under the right conditions. When applying for a mortgage, every source of income matters, especially for borrowers who rely on alimony or child support. Here was want to clarify, and help define…
A bank statement loan made homeownership possible when full-doc loans said no At Innovative Mortgage Brokers, we believe that your mortgage should reflect your reality, not just your tax returns. That was exactly the case with a recent self-employed client…
The trucking industry is the backbone of American commerce, keeping goods moving across the country 24/7. If you're a truck driver looking to buy a home, you might be wondering how your unique income structure affects your ability to qualify…
A Complete Guide for Short-Term Contract Employees Union workers are the backbone of many essential industries - from construction and manufacturing to healthcare and public service. While union membership offers incredible benefits like job security, structured wage increases, and comprehensive…
When You Can Keep Your Current Home and Get Another FHA Loan If you currently have an FHA loan and are considering buying another home, you've probably heard about FHA's "100 Mile Rule." This guideline is one of the most…
No, the Housing Market Isn’t About to Crash—Here’s What’s Really Happening If you’ve been watching the news, scrolling social media, or just talking with friends and family lately, there’s a good chance you’ve heard someone ask: “Is the housing market…
The Truth About Credit Inquiries and Your Mortgage Journey When it comes to applying for a mortgage, one of the most common concerns we hear from potential homebuyers is, “Will this hurt my credit?” They’re usually referring to the hard…
