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17 FHA Loan Myths Busted: Real Talk on the Pros and Cons
If you want to fast-track your path to homeownership, an FHA loan is worth a look. These government-backed loans help homebuyers become...
Christopher Breland
Jul 22, 202115 min read


What First-Time Homebuyers Are Doing to Compete in Blazing Market
On paper, Ben and Dani Graf were about as strong as first-time homebuyers can be. After selling a condo they had inherited from a family...
Christopher Breland
Jul 22, 20215 min read


Nixed Adverse Market Fee Makes Refinancing More Affordable
Refinancing is getting a lot more affordable. Rates are dropping to 5-month lows, and at the same time, a much-despised fee has been...
Christopher Breland
Jul 21, 20212 min read


Top 12 Low and No Down Payment Mortgages for 2021
Most people still think they need 20% down to buy a home. Nothing could be further from the truth. In fact, the average first-time...
Christopher Breland
Jul 20, 202117 min read


Family Is Key to the Hispanic Homeownership Surge
In the face of COVID-related challenges and extreme competition over low inventory, the Hispanic homeownership rate not only increased,...
Christopher Breland
Jul 20, 20213 min read


Here’s What to Know About the $25,000 First-Time Homebuyer Down Payment Credit 2021
This story was updated on July 19, 2021 with the latest developments A new, massive down payment assistance program could soon become law...
Christopher Breland
Jul 19, 20217 min read


What You Should Know About Reverse Mortgage Interest Rates
Based on research from leading reverse mortgage professionals Harlan Accola and Dan Hultquist *This article does not constitute tax or...
Christopher Breland
Jul 19, 20219 min read


Sellers Starting to Give Ground After Year of Calling the Shots
For more than a year, sellers have held the high ground in the housing market. Competition between buyers fueled bidding wars, leaving...
Christopher Breland
Jul 16, 20212 min read


PMI on a Conventional Loan: Your Questions Answered
Private mortgage insurance is a fact of life if you put down less than 20% on a conventional loan. Why? Because lenders take on more risk...
Christopher Breland
Jul 16, 20218 min read


USDA Loan vs. Conventional: Which Mortgage Fits Best?
USDA loans are for low-income, rural homebuyers, right? Not necessarily. Many homes in the suburbs also qualify for USDA loans, which...
Christopher Breland
Jul 15, 20219 min read


Crash Course in FHA Appraisal Requirements
FHA loans are designed to make homeownership accessible to deserving homebuyers. The government created this program for those who wanted...
Christopher Breland
Jul 14, 202111 min read


HELPER Act 2021 Aims for Zero Down Loans for Teachers, First Responders
Proposed legislation recently introduced to the House of Representatives seeks to create a zero-down loan program for teachers, law...
Christopher Breland
Jul 14, 20213 min read


Conventional Loan Mortgage Rates: Are They Rising In 2021?
For generations of American adults, homebuying has been a rite of passage — albeit a costly one. Buying a home is the biggest financial...
Christopher Breland
Jul 13, 20217 min read


What 2021’s Best Places to Live in the U.S. Say About Homebuying
This morning, U.S. News & World Report updated its list of Best Places to Live in the United States. While Boulder, CO remained No. 1 for...
Christopher Breland
Jul 13, 20214 min read


Reverse Mortgage Loan Facts vs. Fiction: Common Myths Debunked
Based on research from leading reverse mortgage professionals Harlan Accola and Dan Hultquist *This article does not constitute tax or...
Christopher Breland
Jul 12, 202116 min read


The Buzz About 40-Year Mortgages Explained
With a press release in June, Ginnie Mae — a government-owned organization that backs FHA, VA, and USDA loans — set off a frenzy...
Christopher Breland
Jul 12, 20213 min read


Conventional 97 Loan: How to Qualify for a Low Down Payment Mortgage
Buying a home used to be a lot harder than it is now, at least when it came to saving up a down payment. But gone are the days when you...
Christopher Breland
Jul 9, 20218 min read


It’s Prime Time to Use a Cash-Out Refinance To Update Your Home
The record increase in home prices is a main storyline in the 2021 housing market. While this presents a challenge for homebuyers, it’s...
Christopher Breland
Jul 9, 20213 min read


3 Signs That Housing Inventory Could Soon Come Roaring Back
Prices are increasing at a historic rate and more than half of houses sell for over asking price. It’s fair to wonder what’s driving a...
Christopher Breland
Jul 8, 20214 min read


How To Use a Reverse Mortgage Loan to Purchase a Home
Reverse mortgages can be great retirement tools, and it’s easy to see why. These loans turn home equity into cash without needing to make...
Christopher Breland
Jul 8, 20219 min read
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