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What is a Super-Conforming Mortgage?
- December 23, 2024
The Super-Conforming Mortgage Since 2020, residential real estate has been a hot commodity with stratospheric appreciation driven by record-low interest rates and a lack of inventory. The high inflation and interest rate hikes that followed brought some markets back to Earth. There are many desirable areas of the country where real estate values have remained
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Adopting A Financially Conscious Mindset For Homeownership
- December 19, 2024
Homeownership is a significant financial commitment that requires careful planning and preparation. The most important aspect of being well-prepared is having a financially conscious mindset about savings. A healthy savings account provides a cushion for unexpected expenses and emergencies, which are inevitable. A sudden repair, medical emergency, or job loss could be detrimental without a
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Use Gift Funds For Your Down Payment
- December 5, 2024
Gift funds can be a powerful tool for homebuyers who need a little extra financial support to make their homeownership dreams come true. These funds, typically provided by family members or close friends, can be used toward the down payment or closing costs on a mortgage. This can significantly ease the financial burden on buyers,
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Top 5 Ways To Effectively Save For Your Dream Home
- December 4, 2024
Saving for your dream home can feel daunting, but you can turn that aspiration into reality with clear strategy and dedication. Here are our top five ways to effectively save for your future home: Create a Dedicated Savings Account Open a separate savings account specifically for your home fund. This makes it easier to track
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Article: DSCR or Hard Money Loans? Let’s Compare.

November 27, 2024

When financing an investment property, DSCR (Debt Service Coverage Ratio) and hard money loans offer distinct advantages tailored to different investor needs. DSCR loans are primarily calculated based on the property’s potential or actual rental income. This means lenders look at the property’s ability to cover loan payments through its income, making these programs ideal for

Article: Is Now The Time Right To Take Advantage Of Your Home Equity?

October 22, 2024

Surging inflation has made the last several years especially challenging for American families. As of September 2024, national household credit card debt has risen to an astronomical $1.1 trillion and the interest due on that debt is crushing. Homeowners could tap their equity to relieve financial stress, but high rates have made that prospect a

The Top 5 Things To Consider Before Shopping For A Home

October 17, 2024

Assess Your Financial Situation Securing a mortgage is one of the most significant financial moves of your life. Being well-prepared for such a large undertaking can make the process much smoother. The first and most crucial step is to assess your financial situation. This involves reviewing your income, savings, your credit score, and figuring out

Using Your Existing Investment Properties To Grow Your Real Estate Portfolio

October 10, 2024

Real estate investing has proven to be a highly successful method of generating passive income and generational wealth. When done well, one can reinvest and grow their real estate portfolio which has a snowball effect over time. The article below from DSCRLender.com explains how you can use the equity in your existing investment property to