Bella Mertz

USDA loans can offer serious benefits for those who use them. With no down payment requirements, low interest rates and looser income requirements than many other loan products, they open the door to homeownership for many Americans who previously had no other options. Even better, utilizing a USDA loan on manufactured and modular housing is … Read more

Having multiple home equity loans is an uncommon scenario, but it is possible under the right circumstances As a homeowner, you may be wondering if you can qualify for and manage more than one home equity loan This article will provide a comprehensive overview of the ins and outs of having two home equity loans. … Read more

When most people borrow a loan, they have every intention of paying it back. With some loans, however, the lender requires more assurance of recouping their costs if a borrower defaults. In these cases, the borrower will pledge an asset as collateral to “secure” the loan. Borrowing with collateral not only assures a lender they’ll … Read more

Mortgage statements are evidence that you’ve paid your debt obligation for this month and in most cases, have paid down some of your mortgage principal. The question of how long to keep mortgage statements depends on your scenario but generally, considering hanging on to your home loan documents for at least 1-3 years. The answer … Read more

At some point, you might find yourself looking to get a loan. In general, a personal loan is more flexible, in that it can be used for a variety of purposes, while a mortgage is used solely to buy real estate. Loans and mortgages are two common ways that people can borrow money, but they … Read more

We are a premier 5-star rated lender on Google and Yelp for a reason. We deliver as promised. California is known for its booming real estate market which presents many lucrative investment opportunities. However traditional lending sources like banks often don’t work well for investors who need to move quickly to capitalize on a time-sensitive … Read more

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and … 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

Getting a mortgage is likely one of the largest financial transactions you’ll make. And behind every mortgage is a lender looking to profit. But how exactly do mortgage lenders make money from your home loan? In this comprehensive guide, we’ll break down the typical profits mortgage lenders make per loan. We’ll look at the various … Read more

For Veterans using a VA home loan paying points upfront can lower your interest rate and monthly payments. But is it worth the extra closing costs? Here we’ll explore whether buying points makes sense with a VA mortgage. VA loans offer great benefits like no down payment and no private mortgage insurance (PMI). Even so, … Read more