Bella Mertz

Hard money loans provide real estate investors with quick financing to fund fix-and-flip projects, new construction, and other deals. But these short-term, high-interest loans aren’t intended for long-term holds. At some point you’ll want to refinance into a lower-rate conventional or rental property mortgage. Refinancing a hard money loan can be tricky, though. Many traditional … Read more

Rejection hurts. And it’s even more upsetting when it gets in the way of buying your dream home. Once you get your offer accepted, it may feel like there’s nothing that’ll stop you. But, unless you’re a cash buyer there’s one last hurdle you’ll need to go through before everything’s final. It’s called the mortgage … Read more

Getting calls from loan companies at work can be stressful and embarrassing. You may be wondering – can lenders legally contact your employer about your debts? The short answer is yes in many cases loan companies can call your workplace. However, protections exist to prevent harassment and limit what lenders can discuss with your employer. … Read more

Putting down 20% for a home purchase may not be realistic for many buyers today. Fortunately, conventional loans allow down payments as low as 5% in certain cases. This guide covers the key details on conventional mortgages with 5% down – from costs to eligibility requirements. Overview of 5% Down Conventional Loans Conventional loans backed … Read more

If you’re looking to generate some extra income with a rental home or buy a fixer-upper to flip for a profit, an investment property loan may be in your future. However, investment property mortgage rates are typically higher than what you pay for a primary residence, and you’ll need to meet stricter qualifying requirements. Knowing … Read more

The Ins and Outs of Removing PMI from an FHA Loan If you’re a homeowner with an FHA loan you’re probably familiar with the monthly mortgage insurance premiums (MIP) that come along with it. While MIP can make buying a home more affordable upfront by allowing lower down payments, it also adds to your monthly … Read more

In order to be eligible for a VA home loan, you’ll need to meet the VA’s service requirements. On top of your length of service, the nature of your discharge is one of the main factors when it comes to determining your eligibility. According to the VA, a Veteran’s discharge must be under “other than … Read more

In the pursuit of homeownership, affordability and accessibility are essential considerations. This is particularly true for borrowers navigating the real estate landscape for the first time or with limited financial means. Among the options available, FHA loans can help ease the financial barriers of buying a home. However, additional monthly costs and FHA housing standards … Read more

Building your own home can be an incredibly rewarding experience. Creating a custom home tailored exactly to your needs allows for unlimited personalization. However, financing a home build comes with its challenges. Self build home loans provide a path to turn your vision into reality. In this complete guide, we’ll explore what self build home … Read more

Many people dream of not only owning their own home, but owning the home of their dreams. Unfortunately, many believe that once they enter “dream home” territory, they’ve entered a realm they simply can’t afford. Their first instinct might be to look into mortgage loans, but those are meant for buying an existing home. Instead, … Read more