Amerisave Logo
Amerisave Logo
Resource Center

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.

Article Thumbnail

Ultimate Guide to Conventional Mortgage Loans in 2026

Conventional mortgages dominate the U.S. housing market and are often the first type that comes to mind for borrowers. This...

June 9, 2025|4 min read
Article Thumbnail

The Ultimate Mortgage Calculator Guide That'll Actually Save You Thousands (Even If Math Makes Your Head Hurt)

Understanding Mortgage Calculators: What They Do and Why You Actually Need One Okay, so I was working on a project...

June 9, 2025|46 min read
Article Thumbnail

The Complete Guide to Conforming Loans in 2026: Everything You Need to Know Before You Apply

I tell every borrower that conforming loans are the most important part of the American mortgage market. Knowing how they...

June 9, 2025|31 min read
Article Thumbnail

Stop Guessing: This Home Affordability Calculator Shows Your REAL Budget (Before Lenders Do)

Understanding Home Affordability Before You Even Talk to a Lender I was working with our team on improving our qualification...

June 9, 2025|49 min read
Article Thumbnail

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...

June 9, 2025|13 min read
Article Thumbnail

Prequalified vs. Preapproval for a Mortgage

What does it mean to be prequalified for a mortgage? Getting prequalified is an early step in the process to...

June 9, 2025|5 min read
Article Thumbnail

Portfolio Loans in 2026: Your Complete Guide to Flexible Mortgage Financing

Understanding Portfolio Loans: What Makes Them Different Look, I've been working with borrowers for years who have solid finances but...

June 9, 2025|11 min read
Article Thumbnail

Mortgage Rate Locks in 2026: Your Complete Guide to Timing, Costs, and Protection Strategies

Freddie Mac's Primary Mortgage Market Survey says that mortgage interest rates have been very unstable in 2025. As of December...

June 9, 2025|25 min read
Article Thumbnail

Mortgage Origination Fees in 2026: What Homebuyers Actually Pay

Understanding Mortgage Origination Fees: What You're Really Paying For Okay, so here's what happened with a first-time buyer last month....

June 9, 2025|27 min read