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How to Buy a House With No Money Down in 2022

January 3, 2022

Not parting with a chunk of change in the form of a down payment to buy a house — sounds like a dream, right? If you get the chance to put no money down for a home, you might feel as if you have the best of both worlds: a dream home without  your wallet taking a pounding. But is it as good as it sounds or is it too good to be true?  In this guide we’ll break … [Read more...] about How to Buy a House With No Money Down in 2022

Debt-to-Income Ratio: What is it and How is it Used by Lenders?

December 20, 2021

When you are thinking about buying a house, you're probably envisioning the memories you'll make in your new home, the great family dinners and nights hanging out with friends. Your thoughts may not initially stray into terms like "debt-to-income (DTI) ratio" or "credit score." You will be more familiar with terms like these as you undergo the mortgage process. In this … [Read more...] about Debt-to-Income Ratio: What is it and How is it Used by Lenders?

What is an Appraisal? Everything You Need to Know

November 3, 2021

You may find it challenging to add "buying a home" to your to-do list — there's a lot to think about, from juggling purchase prices to picking the right neighborhood for you.  We'll help you streamline the process.  To start, here's a quick question: When you're buying a home, can you guess one of the most important steps in the mortgage process?  If you … [Read more...] about What is an Appraisal? Everything You Need to Know

What is a PUD and How Does it Differ from Other Types of Housing?

October 29, 2021

What is a PUD? At first glance, you know it has to be an acronym because "PUD" doesn't give you a clear idea of any specific real estate term. "PUD" stands for "planned unit development."  A planned unit development (PUD) might offer the best housing option for the right homeowner — particularly homeowners who prefer to live in suburban or urban areas. On the other … [Read more...] about What is a PUD and How Does it Differ from Other Types of Housing?

How to Calculate Debt-to-Income Ratio (DTI) Yourself

October 21, 2021

When you first thought about purchasing a home, you probably jumped online to do some basic research. You may have wondered about what information you need to share with a lender or mortgage broker to buy a home. Here's one piece of the puzzle: Lenders want to verify that you have a good debt-to-income (DTI) ratio.  But what exactly is a DTI ratio?  Your DTI … [Read more...] about How to Calculate Debt-to-Income Ratio (DTI) Yourself

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