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Recent Articles

Jun
12
2023
Can I get a conforming mortgage loan, if I don't have a bank account?
Obtaining a conforming mortgage loan typically requires having a bank account. Lenders typically require a bank account to assess your financial stability, track your income and expenses, and facilitate the loan disbursement process. A bank account helps demonstrate your ability...
Jun
07
2023
Building Credit for Your Dream Home: 5 Clever Tips (Minus the Credit Cards!)
So, you're on the hunt for your dream home, but your credit score is in need of a little TLC. Building your credit doesn't always require opening credit cards. Here are some nifty tricks to amp up your credit score without applying for new plastic. Rent Reporting: Who knew that paying your...
Jun
06
2023
Do Lenders allow you to use your rental home as a Airbnb property?
Lenders typically have specific guidelines and restrictions regarding the use of rental properties, including whether they can be listed on platforms like Airbnb. These guidelines can vary depending on the lender and the specific loan program. In some cases, lenders may allow...
Jun
05
2023
Can the closing costs and prepaids be financed in with a USDA mortgage loan?
Closing costs and prepaids can be financed into a USDA mortgage loan under certain conditions. USDA loans allow borrowers to include closing costs in the loan amount, as long as the appraised value of the property supports the increased loan balance. However, there are some limitations...
Jun
05
2023
Will Lenders allow you to prepay the mortgage months in advance, and skip some monthly payments?
The policies regarding prepayment and skipping monthly payments can vary among different lenders and mortgage agreements. Some lenders may allow borrowers to make prepayments, which means paying more than the required monthly payment to reduce the outstanding principal balance...
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