Mortgages

In the face of a growing housing crisis and economic inequality, Community Development Financial Institutions (CDFIs) are stepping up where traditional lenders fall short. These mission-driven institutions aren’t just financing homes—they’re transforming neighborhoods and giving underrepresented communities access to opportunities they’ve historically been denied. Whether you’re a low-income borrower looking for an affordable home loan

Introduction Real estate is an ever-evolving game, and right now, one trend is stealing the spotlight: Build-to-Rent (BTR). Forget flipping houses or chasing down single-unit rentals. Investors, developers, and even institutional giants are going all-in on BTR. Why? Because it’s changing the way we think about rental housing—and it’s doing it fast. As affordability crises

Introduction When it comes to real estate investing, financing is often the trickiest piece of the puzzle. Traditional mortgages come with a laundry list of documentation, income verification, and red tape. But what if you could skip all that? That’s where no-ratio mortgages come in—a lesser-known but increasingly popular option for savvy property investors looking

Owning a home in the United States might seem out of reach if you don’t have a Social Security Number (SSN). But here’s the good news—you can still get a mortgage using an ITIN loan. Whether you’re self-employed, a non-citizen, or working with an Individual Taxpayer Identification Number, there are lenders who specialize in helping

Navigating the world of mortgage planning can be daunting, especially for foreign investors looking to tap into the US real estate market. However, understanding the 28/36 Rule can streamline your affordability analysis by offering clear financial guidelines to gauge housing costs against your income. This rule serves as a trusted compass, helping you balance your

Navigating the complexities of mortgage approval can be daunting, especially when faced with financial metrics like the front end ratio. This key figure, also known as the housing ratio, is pivotal in determining your eligibility for a mortgage as it assesses your ability to manage monthly housing expenses relative to your income. By understanding and