Blog
Non-QM Loan Requirements: What You Need to Know
Not everyone’s finances fit the requirements of a traditional mortgage. If you're self-employed, own investment properties, or have significant savings but limited regular income, a Non-QM loan may be an option.
Non-QM loans offer more flexibil...
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Second Mortgage Requirements: How to Qualify and Apply
To qualify for a second mortgage, you generally need enough home equity, a steady income, a good credit history, and a manageable level of existing debt. You also have to meet the requirements of the loan program you are applying for.
If yo...
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Understanding Traditional Jumbo and Non-QM Financing
If you are looking for a mortgage above the typical loan limit, you may have more than one option when it comes to jumbo loans. Some jumbo mortgages use traditional income and asset documentation, while others fall into the non-QM category. Non-QM a...
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Requirements for a HELOC & How to Apply
If you're considering a HELOC, having equity in your home is the starting point. A lender will also want to know your whole financial picture, including how much you owe, how you've managed credit in the past, and your income.
Two homeowner...
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How Long Does it Take to Build Credit?
Having an established credit history tells a story of how you have handled monthly debt obligations in the past and helps shed light on what type of borrower you may be. If you are starting without an established credit history, it generally takes a...
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September Mortgage Market Update: The Fed Raises Rates What Does This Mean for Mortgages?
A Fed rate increase does not directly set mortgage rates.
Mortgage rates are influenced by the broader financial markets, so a Fed rate increase doesn't automatically translate into an equal move in mortgage rates.
For buyers and homeowners, t...
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How to Use Home Equity: 5 Ways to Access It and Put It to Work
Home equity is the difference between your home’s current value and what you still owe on your mortgage. As you pay down your loan or your property value changes, that equity may grow.
You may be able to borrow against a portion of it without s...
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New Fannie Mae Condo Rules: What Real Estate Brokers Need to Know
Fannie Mae has introduced new condo lending guidelines that change how many condominium projects are reviewed for conventional financing. For loan applications dated on or after August 3, 2026, the Limited Review option has been retired, meaning man...
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July Mortgage Market Update: More Choices, More Opportunity This Summer
The summer housing market continues to build on the momentum we've seen throughout 2026. Inventory has improved in many markets, giving buyers more choices than they had a year ago, while home values have remained stable despite higher-than-his...
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Condo vs. Co-op in NYC: Key Differences for Homebuyers
When comparing a condo vs. a co-op in NYC, the biggest differences come down to ownership structure, building approval, financing requirements, monthly costs, and flexibility. Condos typically offer more ownership flexibility, while co-ops are commo...
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