USDA guidelines set waiting periods for obtaining a mortgage following adverse credit events such as bankruptcy, foreclosure, ...

Truth is, crypto cannot be used directly as collateral for conventional, FHA, VA, or USDA home loans. These require dollars.

Crypto mortgages are a new type of mortgage where the crypto is the collateral, not the house. Those with large holdings ...

A MortgageResearch.com analysis reveals a sobering milestone for the Class of 2025: The average college graduate is unlikely ...

Manufactured homes are typically more affordable than traditional homes. But first you have to pass the appraisal process.

A down payment shouldn't be determined simply by how much you have (or don't have) saved. A seasoned loan officer describes ...

A construction-to-permanent loan is a single loan that covers your land purchase and home construction and converts to a ...

Using seller concessions for a rate buydown can lead to lower payments than requesting a lower purchase price. Home shoppers are benefiting as they gain leverage over sellers in many areas of the ...

Title insurance can feel like an overpriced, unnecessary add-on at closing—but in a housing market full of hidden risks, it might just be your best protection against a costly legal headache. While ...

Adam Godby (NMLS 2286643) is a Loan Officer and Team Lead at Paddio Home Loans in Springfield, Missouri. Adam ensures his ...

Lender credits can help pay closing costs, but the help isn’t free. The buyer still pays closing costs in the form of a higher monthly payment throughout the life of the loan. Closing costs could ...

What does it take to lower your interest rate by a full percentage point? There are several different strategies you can use to reduce your monthly costs. You can even combine multiple techniques in ...