Mortgage Guides
Long-form playbooks for homebuyers and homeowners. Each guide covers strategy, documentation, decision frameworks, and the specific math that decides what works.
The Complete First-Time Homebuyer Guide
12 min readComplete first-time homebuyer guide. Pre-approval, programs, down payment assistance, the offer process, closing, and what to avoid.
When to Refinance Your Mortgage: A Practical Guide
10 min readPractical guide to mortgage refinancing. Break-even math, rate-and-term vs cash-out, when to refi, and the traps that cost homeowners money.
The Self-Employed Homebuyer Guide
11 min readComplete self-employed homebuyer guide. Bank statement, P&L-only, 1099-only, and asset-qualifying programs. How to qualify without tax returns.
Down Payment Assistance Programs: Complete Guide
9 min readComplete guide to down payment assistance (DPA) programs. State HFA, city, county, and occupation-specific programs. How to find and qualify.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.490%
5.517% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.