VA loans in Tennessee carry the same core benefits they offer nationwide: zero down payment, no monthly mortgage insurance, and no loan limits for veterans with full entitlement. Tennessee adds a few...
“Condo Concerns” include low owner-occupancy ratios, HOA litigation, low reserves, and insufficient coverage under the master insurance policy. These issues often render condo projects...
Marina Bay financing runs into a wall that has little to do with the buyer. Two things attached to the property drive most denials: a special assessment tied to the neighborhood's redevelopment...
I. VantageScores Are Saving Deals! I blogged about the new credit-scoring model, VantageScore, last year and got yelled at by my team because no investors (lenders that buy our loans) accepted...
Mortgage rates in Tennessee move with two things: the national bond market and your personal financial profile. The bond market sets the baseline that every lender works from, and your credit score,...
I. Are Appraisers Giving Bigger Condition Adjustments in 2026? There is a neighborhood about a mile west of my CA home that crashes when the market slows. I blog about it often, in fact,...
I. Appraisal Waivers (PIWs) do not run with properties alone; borrowers need to qualify too. An agent asked me last night whether we could check whether his listing was eligible for a PIW. And...
Congress passed another ridiculous bill to address housing affordability – that will do nothing to address housing affordability (it’s just pure political theater). The bill restricts...
We’re working with a CA couple in their mid-80s who bought their $1.3 million home in the early 1970s for about $57,000. They want to sell and move to Idaho – and their capital gains taxes...
Buying a home in Fresno comes with one cost that is easy to underestimate at the offer stage: the Fresno County property tax bill that shows up after you close. It sits next to your monthly loan...
California land loans let you lock in a buildable lot now and construct a home on it later, on your own timeline. In a state where good parcels move fast and coastal land prices are out of reach for...
Interest rates moved higher yesterday in response to the Fed's comments implying we will not see a rate cut this year, among other things. The bond market then decided to remind the Fed who’s...
Florida is growing fast, well-located parcels are moving quickly, and a land loan lets you lock in the right lot now and build on your own timeline. But Florida land loans have a few wrinkles that...
Vacant land loans let you secure a buildable lot now and construct a home on it later, on your own timeline. Because there is no house backing the loan yet, these loans work differently from a...
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