The Truth About Occupancy Rules in Gov. Backed Homes

The Hidden Risks of Not Living in Your Government-Backed Home Purchasing a home with a government-backed loan comes with a set of occupancy rules and regulations many may not be fully aware of. Among these, one of the most critical but often overlooked is the requirement to use the property as your primary residence. But […]

Buying a Home This Season? Why You Should Avoid Holiday Debt

The holiday season is an exciting time filled with gift-giving, celebrations, and family traditions. But for homebuyers—whether you’re currently pre-approved for a mortgage or planning to buy in the next six months—the holidays can also be a risky time for your financial health. Holiday spending, if not managed properly, could derail your chances of securing […]

VA Loan Approval Rate Misunderstood: Debunking the Myth

Myth: “VA Loans Are Denied at a Higher Rate” – The Reality Behind the Myth One of the most common misconceptions about VA loans is that they are more likely to be denied than other types of loans. This belief has caused many eligible veterans and service members to shy away from applying for a […]

Is It Time To Refinance Your 2-1 Buydown?

If you’ve been wondering, “Is it time to refinance my 2-1 buydown?”, you’re not alone. With interest rates fluctuating, many homeowners are considering their options. Refinancing your 2-1 buydown could lead to lower payments, improved loan terms, or access to equity that might help you meet financial goals. But how do you know when it’s […]

Are Free Refinances Really Free?

Refinancing your mortgage can be a great way to lower your monthly payments or interest rates. But lately, you’ve likely seen lenders offering what they call free refinances. It sounds enticing, but are these offers truly free? Let’s break down how “free” refinance offers work, what you’re really paying for, and whether these “deals” are […]