One of the most common questions I get as a mortgage professional is: “Should I go with an FHA loan or a Conventional loan?” The truth is, there’s no one‑size‑fits‑all answer. Both FHA and Conventional loans are great options — the right choice depends entirely on your financial profile and homeownership goals. Think of it like a tug‑of‑war between flexibility […]
Whether you’re buying a home to live in or purchasing a property to rent out, we offer rehab loan programs that let you buy and renovate the home at the same time—with no additional money down for the rehab portion. These programs are designed to help you bring a property up to code or customize it to your liking—new kitchen, […]
FHA allows you to buy a home with only 3.5% and a 580 credit score. Most lenders require 620-640 credit score, but there are lenders that will go down to a 580 credit score. ✅ Basic FHA Guideline Minimum credit score: 580 Minimum down payment: 3.5% ✅ Debt-to-Income (DTI) Ratios with Automated Underwriting (AUS) Housing (mortgage only): 46.9% Total debts […]
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