July 26, 2024

5% down on a 2- 4 unit property

You can now put down 5% when buying a 3-4 unit with a conventional loan not FHA. The guideline recently changed from 20% down to 5% down. If you already have an FHA loan or the property cannot qualify for an FHA loan or if the seller is not willing to accept an FHA loan this is another option with […]

2-4 unit building 0 23 sec read
April 27, 2024

Why Use a Non‑Occupying Co‑Borrower or Co‑Buyer When Buying a Home?

A non‑occupying co‑borrower (sometimes called a non‑occupant borrower or co‑signer) is someone who signs the mortgage with you but does not live in the home. This person is typically a parent, relative, or close friend who is willing to use their income and credit to help you qualify. A non‑occupying co‑borrower (sometimes called a non‑occupant borrower or co‑signer) is someone […]

203- K mortgage 0 2 min read
March 6, 2024

Buy a Home While in Chapter 13 Bankruptcy

Most people don’t realize this—but you can buy a home while you’re still in a Chapter 13 bankruptcy. If you’ve filed Chapter 13, you only need to wait 1 year from the filing date and have 12 on‑time payments to the trustee to qualify. ⭐ Rebuild Your Credit the Right Way To prepare for approval, it’s important to rebuild your […]

203- K mortgage 0 56 sec read
February 3, 2024

VA IRRRL (Streamline) Refinance — No Credit Score Needed

If you currently have a VA mortgage, you may qualify for a VA IRRRL (Interest Rate Reduction Refinance Loan)—one of the easiest and most flexible refinance programs available to veterans. ⭐ No Credit Score Required You can qualify even if you’ve had mortgage lates in the last 12 months. The VA does not require: • A credit score • Income […]

IRRL 0 47 sec read

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