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You own a home and need extra funds. Maybe you’re planning a remodel. Maybe you’re paying down high-interest debt. Using your home’s equity can seem like a smart move. But how do you know which option fits you best? This guide walks you through home equity loans, HELOCs, and alternatives. You’ll see how they work, […]

Combining Community Seconds with a 97% LTV mortgage allows homebuyers to cover down payments and closing costs with minimal out-of-pocket expenses. A 97% LTV (Loan-to-Value) first mortgage requires only 3% down, and Community Seconds—subordinate loans from approved entities—can bridge that 3% gap, often pushing the Combined LTV (CLTV) up to 100% or even 105%. This

Are you a service member unsure if your marital status affects your Basic Allowance for Housing (BAH)? Or perhaps you’re a real estate agent helping military buyers or an investor evaluating rental opportunities near military installations? Understanding 2025 BAH rates is more important than ever. In 2025, several updates to BAH have come into effect,

When it comes to home improvements, most homeowners dream about boosting their property’s value. But here’s the real question — what upgrades are actually worth it? Should you invest in smart home technology or stick with a kitchen remodel? Many homeowners wrestle with this exact dilemma, unsure which improvements truly increase home equity and which

Frequent mistakes in your Closing Disclosure—like incorrect loan terms, inflated fees, or wrong escrow estimates—can cost you thousands if overlooked. Always compare it line-by-line with your Loan Estimate to catch mismatches in interest rates, prepayment penalties, or cash-to-close amounts. Even small errors, like a misspelled name or property address, can delay your closing. Use the

Veterans with a 60% VA disability rating can legally work without losing their benefits. The monthly compensation for 60% disabled veterans in 2024 is $1,361.88 for single individuals, with increases for dependents. Employment doesn’t affect VA pay unless you’re also receiving SSDI or TDIU, which have income limits. Many veterans successfully run side hustles or

VA jumbo loans work by allowing eligible veterans to finance homes above conforming loan limits with benefits like zero down, no PMI, and lower rates. Compared to conventional jumbo loans—which require higher credit scores, larger down payments, and PMI—VA jumbo loans offer more flexible, cost-saving terms for qualified buyers. Especially in high-cost areas, understanding how

VA loans, for eligible military members, offer no down payment and no PMI, with flexible credit scores. Conventional loans, available to all, suit varied property types and offer flexible terms. Comparing VA loan lenders with conventional ones reveals VA’s lower rates and fees versus conventional higher limits and broader eligibility. Choice depends on individual needs

Getting Approved for a VA Construction Loan allows veterans and active-duty service members to build homes with no down payment and no PMI. To qualify, you’ll need a Certificate of Eligibility, meet credit and income requirements, choose a VA-approved lender and builder, and submit detailed construction plans. Loans can be structured as one-time or two-time