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Loan Types & Basics Resources

Everything you need to know about the basics of financing, types of loans, and how they work. Learn about different loan types, common home loan questions, mortgage terminology, and how to manage your loan after closing.

Conditional Approval vs. Preapproval: What Each One Means and What to Do Next

Conditional Approval vs. Preapproval: What Each One Means and What to Do Next

Why "Conditionally Approved" Sounds Worse Than It Is After you choose a house, submit an offer, and submit your documentation,...

Jul 10, 2026|12 min read
FHA Loans for First-Time Home Buyers: A 2026 Guide to Requirements, Costs, and Getting Approved

FHA Loans for First-Time Home Buyers: A 2026 Guide to Requirements, Costs, and Getting Approved

Why So Many First-Time Home Buyers Start With an FHA Loan Every buyer I sit down with shows up with...

Jul 8, 2026|6 min read
Mortgage Employment Verification in 2026: 7 Things Borrowers Should Know as Lenders Move From Phone Calls to Data

Mortgage Employment Verification in 2026: 7 Things Borrowers Should Know as Lenders Move From Phone Calls to Data

What Employment Verification Actually Confirms About Your Loan Most of the work in getting a mortgage happens out of sight....

Jul 8, 2026|4 min read
VA Loans and PMI: 7 Things to Know About the No-Mortgage-Insurance Benefit in 2026

VA Loans and PMI: 7 Things to Know About the No-Mortgage-Insurance Benefit in 2026

1. A VA Loan Skips the Monthly Mortgage Insurance Most Buyers Pay Here's the short version, and it's the whole...

Jul 8, 2026|5 min read
Selling a House With a Home Equity Loan in 2026: What Happens and How to Protect Your Proceeds

Selling a House With a Home Equity Loan in 2026: What Happens and How to Protect Your Proceeds

Why a Home Equity Loan Does Not Lock You Into Your House A lot of homeowners think a home equity...

Jun 27, 2026|18 min read
The 15 Fastest-Growing Cities in the U.S. in 2026

The 15 Fastest-Growing Cities in the U.S. in 2026

Where the Country Is Moving, One Town at a Time Ask people to name a booming city and you’ll hear...

Jul 8, 2026|33 min read
6 Mobile Home Foundation Types to Know in 2026: Costs, Requirements & Financing

6 Mobile Home Foundation Types to Know in 2026: Costs, Requirements & Financing

I've been originating loans for manufactured homes since I was 18 years old, and the foundation question trips up more...

Jun 27, 2026|17 min read
APY vs. Interest Rate: The 2026 Saver's Guide to Maximizing Your Money

APY vs. Interest Rate: The 2026 Saver's Guide to Maximizing Your Money

Someone recently asked me the question I hear constantly: "Why is my account showing a 5% interest rate but my...

Jul 10, 2026|20 min read
Owner-Occupied Properties: 7 Things Every Real Estate Investor Needs to Know in 2026

Owner-Occupied Properties: 7 Things Every Real Estate Investor Needs to Know in 2026

Why Owner-Occupied Properties Matter More Than Ever in 2026 Here's what I tell every borrower who's thinking about real estate...

Jul 2, 2026|13 min read