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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.

Is a 40-Year Mortgage Right for You in 2026? The Complete Guide

Is a 40-Year Mortgage Right for You in 2026? The Complete Guide

What Exactly Is a 40-Year Mortgage? A 40-year mortgage is exactly what it sounds like—a home loan you repay over...

Jul 8, 2026|12 min read
8 Proven Ways to Lower Your Mortgage Payment in 2026

8 Proven Ways to Lower Your Mortgage Payment in 2026

So I was talking to a borrower last week who'd been carrying a 7.2% mortgage from spring 2023, and she...

Jul 9, 2026|17 min read
HELOC Payment Calculator: Your Complete Guide to Understanding and Planning Home Equity Line Payments in 2026

HELOC Payment Calculator: Your Complete Guide to Understanding and Planning Home Equity Line Payments in 2026

Last week, a neighbor stopped me in the driveway while I was loading groceries, stressed about whether she could afford...

Jul 8, 2026|47 min read
FHA Mortgage Insurance Removal in 2026: Complete Guide to Eliminating Your MIP

FHA Mortgage Insurance Removal in 2026: Complete Guide to Eliminating Your MIP

Let me be straight with you about FHA mortgage insurance. I've worked with borrowers across 37 states during my entire...

Jul 9, 2026|15 min read
FHA Minimum Property Standards 2026: Complete Checklist for Home buyers

FHA Minimum Property Standards 2026: Complete Checklist for Home buyers

Why FHA Property Standards Matter for Your Home Purchase Look, I've been in this business since I was 18 and...

Jul 9, 2026|9 min read
Understanding Mortgage Terms in 2026: The Complete Guide to Choosing Your Loan Length

Understanding Mortgage Terms in 2026: The Complete Guide to Choosing Your Loan Length

What You Need to Know About Mortgage Terms: Breaking Down the Basics Okay, so when I started working with first-time...

Jul 8, 2026|13 min read
USDA vs FHA Loans: 7 Key Differences Every Home buyer Should Know in 2026

USDA vs FHA Loans: 7 Key Differences Every Home buyer Should Know in 2026

Look, I'm gonna level with you. When most folks think about buying a home with little money down, their mind...

Jul 8, 2026|15 min read
VA Funding Fee in 2026: Complete Rate Charts, Exemptions & Cost-Saving Strategies

VA Funding Fee in 2026: Complete Rate Charts, Exemptions & Cost-Saving Strategies

Let me be straight with you about VA funding fees. I've worked with thousands of military buyers over my career...

Jul 8, 2026|19 min read
VA Loan Inspection and Appraisal Requirements in 2026: 7 Essential Things Every Veteran and Service Member Must Know

VA Loan Inspection and Appraisal Requirements in 2026: 7 Essential Things Every Veteran and Service Member Must Know

Understanding VA Loan Inspection Requirements: The Truth About What's Actually Required Here's what I tell every borrower working with a...

Jul 8, 2026|15 min read