All Posts

A seller credit toward a permanent rate buydown can deliver the biggest long-term savings. Start there, then compare cash at closing and repairs.

A qualified buyer and an eligible condo building are two separate questions—and both can affect the loan.

National headlines say buyers have leverage. The listings near your actual house may tell a different story.

A mortgage broker, bank and online lender are not really three equivalent categories. A lender makes the loan. A mortgage broker helps borrowers find loans from lenders. “Online” mainly describes how you interact with the company—a digital mortgage company may itself be a lender, broker or both. So instead of asking only, “Should I use a bank, broker or online lender?” I would ask: How many realistic mortgage options can this provider compare for me, and what does each option

If you qualify for both an FHA and a conventional mortgage, don't choose based on the label. Compare cash to close, total monthly payment, mortgage insurance and the cost over the period you expect to own the home. As a general rule, FHA financing deserves a closer look when a smaller down payment or weaker credit profile makes conventional financing expensive. Conventional financing often becomes more attractive as credit strength and down payment improve. FHA vs. convention

Updated October 2, 2026 The average 30-year fixed mortgage reached 7.28% on October 1, up from 7.03% one week earlier. The average 15-year fixed rate was 6.60%, according to Freddie Mac. So is it a bad time to buy? Not automatically. But at rates above 7%, I would want the purchase to work at today's payment without depending on a future refinance. What 7.28% means in dollars On a $400,000, 30-year mortgage, principal and interest at 7.28% is about $2,737 per month. At 6.50%,

Compare mortgage products for real estate investors, including DSCR, bridge, renovation, bank statement and asset depletion loans, by strategy and requirements.

"Self-employed and struggling to qualify for a traditional mortgage? Bank statement loans let your actual cash flow do the talking. Here's everything you need to know." For self-employed borrowers, qualifying for a mortgage doesn't have to mean fighting your own tax returns. SECTION 1 The Problem With Traditional Mortgages for the Self-Employed If you're self-employed, you already know the drill. You work hard, your business generates solid income, and yet the moment you sit

Discover how DSCR loans help real estate investors qualify and leverage their portfolio based on rental income — not personal tax returns. Learn rates, requirements, and why condo investors love this product.

To get the fastest possible approval for your mortgage, follow our proven 5-step process, backed up by 19 specific tactics to ensure your success!

Refinancing a mortgage can be a powerful financial move, but many homeowners hesitate because they don’t fully understand the benefits or the steps involved. If you have a mortgage, knowing when and how to refinance could save you thousands of dollars or help you achieve other financial goals. This post breaks down the key advantages of refinancing and walks you through the process in clear, practical terms. Book a free 30-minute consultation to discuss this and any financing

Buying your first home is an exciting milestone, but securing a mortgage can feel overwhelming. Many first-time buyers face challenges understanding the process, preparing their finances, and choosing the right loan. This guide breaks down essential tips to help you confidently navigate mortgage approval and get closer to owning your dream home. Book a free 30-minute consultation to discuss this and any financing needs you have at https://calendly.com/mark-velicer-loanfactory

Buying a home is one of the biggest financial decisions many people make. A key part of this process is understanding mortgage rates, which directly affect how much you will pay over the life of your loan. Mortgage rates can seem confusing, but knowing how they work helps you make smarter choices and save money. Mortgage rates determine the cost of borrowing money to buy a house. Even a small difference in the rate can add up to thousands of dollars over time. This post break