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No, FHA Is NOT The New Subprime; Foreclosures Aren’t Surging; Immigrants Did Not Dominate FHA

I frequently see posts about FHA becoming America’s new subprime crisis waiting to happen, particularly regarding down payment assistance loans that allow borrowers to buy a house with very little...

December 1, 2025 3 min read
No, FHA Is NOT The New Subprime; Foreclosures Aren't Surging; Immigrants Did Not Dominate FHA

How To Get An FHA Loan in Illinois

Learn how an FHA Loan in Illinois can open the door to homeownership with low down payments, flexible credit requirements, and expert guidance. This guide covers everything from understanding FHA...

August 13, 2025 7 min read
Town-view of Illinois

Condos: Balcony Issues; FHA Spot Approvals; Owner Occ Ratios; One Owner Has > 10% Of Units

I met a wealthy developer who bought an entire 600-unit condo project after the 2008 meltdown for about $21 million ($35,000 per unit).

July 18, 2025 2 min read
Condos Balcony Issues; FHA Spot Approvals; Owner Occ Ratios; One Owner Has 10% Of Units

First-Time Homebuyers Get Much Lower Rates, Unless….

Real Estate Agents – Here are some extremely important reminders about first-time homebuyer interest rates. I have been in the mortgage industry since 1994, and for 25+ years, I would […]

May 21, 2025 3 min read
2 couple as a First Time Homebuyer.

JVM’s FREE (Lender-Paid) 2-1 Buydown; FHA Spot Approvals For Condos Again

FHA Single Unit or Spot Approvals continue to enable us to get financing for non-warrantable condos. Our condo team just got another single-unit condo approval in a complex that was not...

April 23, 2025 2 min read
Successful home purchase thanks to JVMs-FREE-Lender-Paid-2-1-Buydown

FHA Single-Unit Approvals For Non-Warrantable Condos

In December, I wrote this blog: This Is Huge: FHA Spot Approvals Work For Non-Warrantable Condos. Well, I’m hitting it again because it has become even “huger.” 

March 31, 2025 2 min read
People talking about FHA Single-Unit Approvals For Non-Warrantable Condos

Uh-Oh… Trump’s Cancelling Loan Programs! Get In While You Can! SPCP and FHA At Risk!

One of our most lucrative and beneficial (for borrowers) loan programs is on the chopping block – and it will be both very costly and painful. The program is called SPCP which stands for Special...

March 26, 2025 3 min read
Person applying for SPCP and FHA before Trump Cancels loan programs

MIP vs PMI: Understanding Your Mortgage Insurance Options

Explore the differences between Mortgage Insurance Premium (MIP) and Private Mortgage Insurance (PMI) in this concise guide. Learn about cost structures, cancelability, and key benefits to make an...

February 20, 2025 6 min read
Yellow two story country house on summer day

How To Get An FHA Loan in Georgia

Learn how an FHA Loan in Georgia opens the door to affordable homeownership with low down payments, flexible credit requirements, and expert support. This guide covers benefits, requirements, and...

February 14, 2025 7 min read
Traditional Southern Home in Macon Georgia

How To Get An FHA Loan in Tennessee

Learn how an FHA Loan in Tennessee can simplify your journey to homeownership with low down payments, flexible credit requirements, and expert guidance. This guide covers the benefits, requirements,...

February 14, 2025 7 min read
Rugby, Tennessee, USA - July 29, 2023: The Linden House, constructed in 1880, is still a residence today.

How To Get An FHA Loan in Texas

Learn how an FHA Loan in Texas can make homeownership achievable with low down payments, flexible credit requirements, and competitive rates. This guide walks you through the benefits, requirements,...

February 14, 2025 8 min read
Luxury home in Houston, Texas USA

How To Get An FHA Loan in Oregon

Discover how buying a home in Oregon becomes more accessible with FHA loans. Learn about FHA loan limits, flexible terms, and expert guidance to help make your Oregon homebuying journey a success.

February 14, 2025 8 min read
Home in Oregon, Vibrant colors, well-lit home

How To Get An FHA Loan in Idaho

Learn how an FHA Loan in Idaho can open the door to homeownership with low down payments, flexible credit requirements, and expert guidance. This comprehensive guide covers everything from...

February 14, 2025 9 min read
Beautiful house surrounded by greenery. Clean and mother earth friendly.

How To Get An FHA Loan in California

Learn how an FHA Loan in California can open the door to homeownership with low down payments, flexible credit requirements, and expert guidance. This guide covers everything from understanding FHA...

February 14, 2025 8 min read
Beautiful home in California, Great Lighting, front yard view.

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