FHA Down Payment Requirements
How Much You’ll Need to Buy in PA or FL Buying a home in Pennsylvania or Florida comes with choices, and one of the most popular mortgage programs for first-time buyers and those with limited savings is the FHA loan…
FHA or Conventional: Which Mortgage Is Better
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…
New Law Protects Homebuyers from Unwanted Mortgage Spam
Trigger Leads Are Being Shut Down, Here’s What That Means If you’ve ever applied for a mortgage and suddenly received a flood of calls, texts, or emails from lenders you’ve never heard of, you’re not alone. But that’s changing. As…
Freddie Mac Expands Financing for Multi-Unit Homes
Freddie Mac now allows up to 95% LTV on 2- to 4-unit primary residences. Effective for mortgages with settlement dates on or after September 29, 2025, Freddie Mac has updated its guidelines to expand financing opportunities for multi-unit primary residences…
Philadelphia’s Anchors: Education and Healthcare
Philadelphia’s Anchors: How Education and Healthcare Strengthen Our Local Economy, and Housing Market When people think about what makes Philadelphia special, history and culture often come to mind. But another story runs quietly in the background, how education and healthcare…
What Happens to Mortgage Rates if Fannie and Freddie Go Private?
Understanding the possible ripple effects on affordability and lending if Fannie Mae and Freddie Mac Go Back To Private Ever wondered how mortgage rates would shift if Fannie Mae and Freddie Mac left conservatorship and returned to full private ownership?…
Minimum Documentation Rules for Self-Employed Borrowers
What Lenders Are Looking For, And When One Year of Returns Is Enough Navigating the mortgage process as a self-employed individual often requires more paperwork than for traditional W-2 employees. But don’t worry, if you don’t fit into the traditional…
How Alimony and Child Support Count as Qualifying Income
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…
Using Social Security and Pension Income to Buy a Home
How Lenders View Retirement Income in Mortgage Applications When it comes to qualifying for a mortgage, retirement income can be a reliable and acceptable source, as long as it meets specific criteria. This includes income from Social Security, pensions, and…
Mortgage Qualification with Tip Income
How Mortgage Lenders View Tip Income For workers in industries like hospitality, personal services, and food service, tip income can represent a substantial portion of total earnings. When applying for a mortgage, tip income can be used to help qualify,…
