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Key Takeaways What is a debt-to-income (DTI) ratio? Your debt-to-income ratio, or DTI ratio, is calculated by dividing your monthly debt payments by your monthly…
What is a Non-QM loan? Qualifying for a mortgage can be a massive headache, especially if your income is hard to document or calculate. A…
Whether you are buying your first home, refinancing to lower your rate, or pulling out equity from your home, the financing partner you choose matters.…
If you want to buy a vacation home or invest in a rental property, your current home’s equity is often the most affordable financial tool…
If you need to fund a home renovation, pay off high-interest debts, or cover major expenses, your home’s equity is often the most cost-effective tool…
Key Takeaways: When is the right time to refinance your mortgage? Knowing the right time to refinance is about spotting the moment where your current…
What is a home refinance? Home refinance is the process of replacing your existing mortgage with a brand-new loan. Think of it as a “reset…
Key Takeaways What is an FHA mortgage insurance premium (MIP)? FHA loans are government-backed mortgages insured by the Federal Housing Administration (FHA). Because these loans…
Key Takeaways: Essential FHA loan requirements for 2026 FHA loan requirements are set at the federal level by the Federal Housing Administration to ensure the…
Key Takeaways: For decades, the FHA loan program has helped people become homeowners by offering flexible credit rules. If you qualify, you can buy a…
What is a VA funding fee? The VA funding fee is an administrative fee added to most VA mortgages. The amount varies based on your…
Key Takeaways Introduction: What is a VA loan? A VA loan is a powerful mortgage benefit provided by VA-approved mortgage lenders and partially guaranteed by…
