Bella Mertz

Getting approved for a mortgage through a bank or other traditional lender can be challenging, especially if you have less-than-perfect credit or limited income. But working with private lenders for home loans provides an alternative path to financing if you don’t qualify for typical mortgages. This guide explains what private mortgage lenders are, pros and … Read more

Entering retirement often means transitioning to a fixed income, which can make it harder to cover unexpected expenses While borrowing money may seem necessary at times, loans tailored for retirees are limited It’s important for senior citizens to understand their options, requirements, and risks before taking on debt in retirement. In this comprehensive guide we’ll … Read more

A low credit score can make it hard to get a home equity loan. But that doesn’t mean you don’t have options. Editorial disclosure: Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions … Read more

VA home loans may not require a downpayment, but applicants still need to prove their financial worthiness. Lenders can’t give out loans without knowing that borrowers will be able to pay the money back. Therefore, if you plan on buying a home with a VA loan, you will most likely need to show that you … Read more

Securing a loan when you already have a high debt-to-income ratio (DTI) can be challenging, but its not impossible. Whether youre looking to consolidate existing debt, fund a major purchase, or cover unexpected expenses, understanding how to navigate the lending landscape with a high DTI is essential. Let’s explore strategies and solutions to help you … Read more

Purchasing a condominium can be an attractive option for first-time homebuyers or those looking to downsize. Condos offer lower maintenance than single-family homes and provide amenities like a pool or workout facility. However condos come with their own unique financing requirements, especially when applying for an FHA loan. In this complete guide we’ll explore FHA … Read more

Finding a small mortgage loan can be hard work. Many lenders disclose their maximum mortgage amount available, but not their minimum, so finding the right loan can involve a bit of research. If you compare lenders, youll find there isnt necessarily a single lowest standard mortgage amount. Instead, different lenders have different minimums. Heres what … Read more

If you are wondering about getting a VA loan with bad credit, you’re not alone. It is a common question asked by our veterans and active-duty service members. This article explores how securing a VA loan with bad credit is not only possible but also more accessible than you might think, thanks to the unique … Read more

Starting a new job is an exciting time, but it can complicate getting approved for a mortgage if you’re also looking to buy a home. Most lenders want to see two years of stable employment history to ensure you have reliable income to make your loan payments. So how do you go about qualifying for … Read more

Conditional approval is a step in the home buying process that might occur before you get your final mortgage approval. If your lender tells you that you’re “conditionally approved,” you might be wondering how it differs from initial mortgage approval to buy or refinance a home. Let’s take a look at the different types of … Read more