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February 22, 2023
Gift money is a cash donation (usually from a close relative) that you can use for your down payment, closing costs, and other fees. However, there are rules and requirements to keep in mind when using gift money during the loan process. In this article, we’ll cover everything you need to know about using gift... View Article
When the time comes to purchase a house, your credit score will play a critical role in your lender’s decision. So what’s the ideal credit score? The short answer: it depends. Various factors determine what credit score is needed to buy a house – and different mortgage products each have their own unique credit score... View Article
If you’re looking to start your homebuying journey, you may be wondering how different loan products compare and which one is right for you. Two of your most popular options will likely be an FHA (Federal Housing Administration) loan or a conventional mortgage. In this article, you’ll learn everything you need to know about FHA... View Article
For buyers working with a budget or current owners looking to upgrade their homes, an FHA 203k loan comes with many benefits. Not only do FHA 203k loans wrap your renovation costs and mortgage into one payment, but they typically have easier income and credit requirements as well as lower down payment options. Here’s what... View Article
On January 27th, new cuts to the FHA’s mortgage insurance premiums were supposed to go into effect. That won’t be happening now, though. Earlier in the month, Julián Castro, the outgoing Secretary of the Department of Housing and Urban Development, announced a 25 basis point cut in mortgage insurance for FHA borrowers. “After four straight years of growth... View Article
Awesome news for those of you considering an FHA loan: mortgage insurance is about to get cheaper. The Federal Housing Administration announced on Monday that for all loans closed on or after January 27th, annual mortgage insurance premiums will drop from .85 percent to .60 percent. That can mean hundreds of dollars in savings annually,... View Article
Lending standards for refinances have loosened considerably over the past two years, but, despite years of discussion, it’s difficult to qualify for a mortgage to buy a house. Tough lending standards are still keeping some buyers out of the housing should manage their credit scores and reduce debt long before they apply for a mortgage.... View Article
Read MoreIn 1934, the long road to recovery began for the U.S. economy. For the housing market, this meant the creation of the Federal Housing Administration (FHA) loan. The loans issued under this program are insured by the federal government, decreasing the risk of loss for lenders. With its less stringent rules, more borrowers were able to... View Article
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