- Conventional vs. FHA vs. VA loans: how the three main financing paths compare
Three names get repeated in every home-buying conversation: Conventional, FHA and VA. Here is what each one actually is, how they differ structurally, and how to reason through which financing path may fit your situation.
- Mortgage options for foreign nationals and newcomers to the US
Buying US property without a US credit history or with a visa, ITIN or no US residency at all follows different paths depending on your status. Here is how those paths typically differ.
- DSCR loans for rental and investment properties
DSCR loans let a rental property's own cash flow carry the qualification instead of your personal income and DTI. Here is how the math works, what lenders review, and where the trade-offs sit.
- Bank statement loans: how they work for self-employed borrowers
Bank statement loans let self-employed borrowers qualify using deposit activity instead of tax returns. Here is how the math works, what deposits count, and who this financing path fits.
- Mortgage qualification when you're self-employed or a 1099 worker
Self-employed and 1099 income is assessed differently than a salary, but it is a normal, well-served category. Here's how qualification actually works.
- Mortgage options for W-2 employees: salaried, hourly, and variable pay
W-2 income is the most common path through mortgage underwriting, but salary, hourly, bonus, and commission pay are not all viewed the same way. Here is how each works.
Important disclosures
- Planning estimates only. Not an approval, pre-approval, guaranteed qualification, guaranteed rate or lending decision.
- This is not a commitment to lend.
- Final eligibility requires lender and licensed MLO review.
- Rates, pricing, guidelines and program availability change and vary by borrower and property.
- Program availability varies by state.
- Equal Housing Opportunity.