Blog
What Is a QM Loan vs. a Non-QM Loan?
The difference between a Qualified Mortgage (QM) and a Non-Qualified Mortgage (Non-QM) loan comes down to how the borrower’s ability to repay (ATR) is documented and evaluated.
Qualified Mortgage (QM) Loan
A QM loan follows strict federa...
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No Tax Return Mortgage Programs for Self-Employed Borrowers
For some borrowers, traditional mortgage documentation does not always reflect their full financial picture. Business owners, entrepreneurs, freelancers, real estate investors, and high-net-worth individuals may have strong cash flow or significant ...
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Condo vs Co-op: Differences, Pros and Cons Explained
When comparing a condominium vs. a cooperative, the most important difference comes down to ownership structure. This distinction affects how you finance your home, what you pay monthly, and how much flexibility you have as an owner.
Understandin...
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Understanding When a Refinance Makes Sense
Refinancing your mortgage can be a smart financial move. Understanding when a refinance makes sense can help you potentially lower your monthly payment, reduce long-term interest, or access your home’s equity.
If you are wondering how to know w...
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Mortgage Process Do’s and Don’ts: What to Do (and Avoid) During the Mortgage Process
Applying for a mortgage can feel overwhelming, especially if you’re unsure what actions could impact your approval. Understanding the mortgage do's and don’ts—and what not to do when applying for a mortgage—can help you navigate the process ...
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January Mortgage Market Update
Mortgage markets are entering 2026 with optimism as inflation cools and policy signals toward potential rate relief.
Recently, President Trump announced a directive to pursue $200 billion in mortgage-backed securities (MBS) purchases, aimed at ...
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Jumbo Loans: What They Are and How They Work
If you’re buying a home in a high-cost market like New York City, you may encounter the term jumbo loan. Understanding how jumbo loans differ from a conventional mortgage can help you make more informed financing decisions.
What Is a Jumbo Loan...
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Strategic positioning for 2026
As 2025 comes to a close, the mortgage market is finally feeling more stable after a long stretch of ups and downs. Slow inflation and steadier Treasury markets are reducing volatility, helping buyers and homeowners plan with more confidence. With c...
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Fall Market Shifts: What to Expect
As we move into the middle of November, the mortgage market is showing signs of stabilization after months of rate volatility. On October 29th, the Fed reduced the federal funds rate by ¼ point, which actually caused a slight uptick in mortgage rat...
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What the Government Shutdown Means for Mortgage Rates
As we enter October, the housing market faces a new layer of uncertainty and opportunity: the current federal government shutdown and the upcoming Fed meeting. While homebuyers and homeowners may feel nervous, it’s important to understand what thi...
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