PMI vs. LPMI: Real Cost Comparisons Over 5, 10, and 30 Years
When comparing PMI and lender-paid mortgage insurance (LPMI), the key difference is cost over time: PMI…
Loan Limits & Concessions: What Your Lender Might Not Tell You
Understanding seller concession limits by loan type is critical to avoid closing delays or loan denials….
VA, FHA, and Conventional Appraisals: What Every Buyer Should Know
VA, FHA, and Conventional appraisals all impact your homebuying journey differently. VA loans offer the strongest…
High-Cost Area Home Buying: What 2025 Loan Limits Mean for You
Understanding the 2025 conforming loan limits by county is crucial for buyers in high-cost markets like…
How to Submit a Winning Backup Offer in a Competitive Housing Market
“How do you even compete when the home already has 10 offers?” That’s the first thing…
How to Budget for Potential Rate Increases with a 5/1 ARM
How to budget for potential rate increases with a 5/1 ARM—this is something I wish more…
Contingent vs. Pending: What’s the Difference and Why It Matters
Difference between contingent and pending listings. You’ve probably seen both on Zillow or Redfin and thought:…
Understanding Common Real Estate Contingencies: Financing, Inspections, and More
Understanding common real estate contingencies can make or break your home buying or selling experience. You’re…
Top 5 Common Mortgage Pitfalls and How to Avoid Them
The keyword here is adjustable-rate mortgages — and yeah, it sounds like a smart deal at…
VA Residual Income vs. Debt-to-Income Ratio: What Matters More?
VA loan approval relies on both debt-to-income (DTI) ratio and residual income, but the latter plays…