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Financial Health Resources

If you're looking to improve your financial health, start here. Learn how to get approved for your perfect home loan with articles about credit score, debt-to-income ratio, budgeting, and tips to boost your chances of getting approved.

QM vs Non-QM Loans: 8 Essential Differences Every Home Buyer Must Know in 2026

QM vs Non-QM Loans: 8 Essential Differences Every Home Buyer Must Know in 2026

Understanding the Mortgage Landscape Right Now I want to be honest with you about something. The mortgage market is very...

Jul 14, 2026|9 min read
Pest Inspection Requirements for Mortgages: 2026 Complete Guide

Pest Inspection Requirements for Mortgages: 2026 Complete Guide

Here's the deal with pest inspections. I've been lending money for mortgages for 15 years. I've seen deals fall through...

Jul 14, 2026|5 min read
How To Pay Off Your Mortgage Sooner in 2026

How To Pay Off Your Mortgage Sooner in 2026

Ever wonder what it would be like to own your house free and clear? No mortgage loan. No monthly house...

Jul 14, 2026|2 min read
How to Lower Your Mortgage Payment in 2026

How to Lower Your Mortgage Payment in 2026

1. Refinance for a lower rate Perhaps the most effective way to lower your monthly mortgage payment while saving cash...

Jul 14, 2026|2 min read
How to Lower Debt-to-Income (DTI) Ratio for a Loan in 2026

How to Lower Debt-to-Income (DTI) Ratio for a Loan in 2026

Understanding the three key factors -- income, credit history, and debt-to-income ratio (DTI) -- is crucial for mortgage eligibility. Income...

Jul 14, 2026|1 min read
How to Calculate Your Amortization

How to Calculate Your Amortization

Amortization is the structured way of paying off a mortgage through scheduled monthly payments. Each payment covers interest and principal,...

Jul 14, 2026|2 min read
How Americans Feel About Debt - And How They’re Dealing With It in 2026

How Americans Feel About Debt - And How They’re Dealing With It in 2026

The debt landscape in the U.S. Many homeowners are successfully paying down their balances, sticking to a plan that works....

Jul 14, 2026|4 min read
Complete Guide to Houseboat Loans: 7 Essential Financing Options for 2026

Complete Guide to Houseboat Loans: 7 Essential Financing Options for 2026

The houseboat lifestyle has captured attention across America, from Seattle marinas to Kentucky lake communities. During my time working with...

Jul 14, 2026|5 min read
Complete Guide to Co-Signing a Mortgage in 2026: What Borrowers and Co-Signers Need to Know

Complete Guide to Co-Signing a Mortgage in 2026: What Borrowers and Co-Signers Need to Know

Understanding Co-Signing: What You're Really Agreeing To Look, here's the deal. I've spent my entire career in the mortgage industry...

Jul 14, 2026|9 min read