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All The Loans Banks Don’t Have: Non-QM, No Income Verification, Rental Income Only, Bank Statement, Hard Money, & Renovation

I am blogging about Non-QM and other unusual loan products again because a borrower came to us recently after being told by a commercial bank that there were no mortgage options for him because he...

September 18, 2023 4 min read
All the Loans Banks Don't Have

Everything Homebuyers Need To Know About FHA Loans

Are you looking to buy your dream home but worried about the hefty down payment? FHA loans might be the perfect solution for you! Whether you're a first-time homebuyer or someone who wants to upgrade...

July 13, 2023 7 min read
Everything Homebuyers Need To Know About FHA Loans

Boomers Dominate Market Again – Uh Oh! When FHA Reigns Supreme

FHA Is Better than Fannie Mae for Buyers with a FICO under 740 and Less than 5% Down! This is just another reminder that FHA financing is often much better […]

June 23, 2023 3 min read
Boomers Dominate Market Again – Uh Oh! When FHA Reigns Supreme

How to Qualify for an FHA Cash-Out Refinance

Are you looking to leverage your home’s equity for a variety of financial needs? A cash-out refinance can be a powerful tool, and if you meet certain criteria, an FHA cash-out refinance might be...

May 25, 2023 5 min read

FHA Cash-Out Refinance: The Best Way to Pull Cash Out

Are you in need of extra cash for home improvements, debt consolidation, or other financial goals? Look no further than an FHA cash-out refinance. This mortgage option offered by the Federal Housing...

May 24, 2023 6 min read
FHA Cash-Out Refinance: The Best Way to Pull Cash Out

How To Renovate with FHA 203(k) Mortgage Financing

The FHA 203(k) loan, often referred to as the 203(k) rehab loan, is a mortgage program designed to help homebuyers purchase a property in need of repairs or renovations. This loan option allows you...

May 23, 2023 7 min read
How To Renovate with FHA 203(k) Mortgage Financing

Why I HATE 40-Year Mortgages

There has been a lot of hubbub recently about FHA’s 40-year mortgages. But – it is all for naught, as FHA is ONLY offering 40-year mortgages for loan modifications for […]

April 12, 2023 3 min read

Jumbo Loans In Peril Because Of Commercial Bank Issues

Everything Is Fine…until It Isn’t The former owner of RPM Mortgage (now merged with Cross Country) told me about a particularly harrowing ordeal he went through in 2008. His company […]

March 16, 2023 3 min read
Jumbo Loans In Peril Because Of Commercial Bank Issues

FHA Rates Even Lower! I Hope Buyers Stay Home :)

Boomer Error! On Friday, I pointed out how FHA rates are now often far better (by over 1%) than Fannie Mae Rates in this blog: FHA Keeps Beating Fannie Mae! […]

March 6, 2023 3 min read

FHA Keeps BEATING Fannie Mae! This Is SHOCKING!

Today’s FHA rate for a $1.1 million purchase with only 3.5% down is 6.125%* at no points.     To paraphrase MC Hammer: Fannie Mae Can’t Touch That – not even […]

March 3, 2023 2 min read
FHA Keeps BEATING Fannie Mae! This Is SHOCKING!

FHA Just Got Even MORE AMAZING! (MIP Cut By 30 Basis Points!!)

I used to blog quite often about how advantageous FHA loans are for a variety of reasons – In Defense of FHA/Misconceptions Persist. The reasons include: 1. Rates much lower […]

February 24, 2023 3 min read

How To (& Why) Buy a $1.1MM Home With Only $39,000 Out of Pocket

Marketing Rate Buydowns: This is a quick reminder that we love to help listing agents market temporary interest rate buydowns with their listings. We are still seeing agents offer buydowns […]

January 11, 2023 2 min read

Are FHA Loan Appraisals Public?

If you are one of the many homebuyers looking to qualify for an FHA loan to purchase a primary residence, you will need to get an appraisal. An FHA appraisal establishes the value of the property you...

November 5, 2022 5 min read
Are FHA Loan Appraisals Public?

In Defense of FHA! Misconceptions Persist!

FHA financing is ideal for first-time homebuyers or borrowers with low credit and limited savings. FHA loans have lower rates than conforming (Fannie/Freddie) loans. This is especially the case for...

July 14, 2022 3 min read
In Defense of FHA! Misconceptions Persist!
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