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Qualified Home Loans

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Homebuying as a Veteran & some myths about VA loans

Homeownership is a dream for almost everyone, yet can sometimes feel impossibly far away. But for qualifying veterans and their families, VA loans can help jumpstart your path to home ownership by offering exclusive (and often overlooked) benefits. Because they are backed by the US government, VA loans carry unique advantages that separate them from conventional …

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Understanding the Difference Between Jumbo vs. Conforming Loans

If you’ve been home shopping in a higher-cost housing market, then you may have been presented with an option for a jumbo loan—even if the homes you’re looking at aren’t jumbo-sized. That’s because the “jumbo” in jumbo loans refers to the size of the loan, not the size of the property, and it’s something you …

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Homebuyers May Get More For Their Money This Winter

With the current housing market’s record-low inventory and all-time-high price tags, waiting for more favorable conditions would seem like the smart move for homebuyers. However, historical data and current trends suggest, however, that shoppers who sign early this winter are likely to get a better deal. According to an article published by Mortgage News Daily analyzing the past 7 …

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Know How Your Numbers Work When Applying for a Mortgage

When it comes to getting a lender’s approval to buy or refinance a home, there are 3 key numbers that affect your ability to qualify for a mortgage and how much it will cost you — your credit score, debt-to-income ratio, and loan-to-value ratio. Here’s a rundown of what they are and why they matter. Credit Score You’re …

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