Zero Down Payment Mortgages: Are They Legit?
A down payment is one of the biggest financial hurdles to home ownership. Most lenders expect buyers to put down at least a small percentage of the home’s price up front. But for many Americans, even a 5% down payment can mean years of saving. A zero-down payment mortgage eliminates that requirement. These loans are […]
Best First-Time Homebuyer Programs by State
Buying a home for the first time is a major milestone. But for many people, the process feels overwhelming—especially when it comes to the financial side. Rising home prices, strict credit requirements, and large down payments can make it difficult to qualify for a mortgage. That’s where state-backed programs come in. Every U.S. state offers […]
Can You Buy a House With Crypto in 2025?
In 2025, buying a house with cryptocurrency in the United States is not only legal; it’s also becoming more common. With the growing acceptance of digital assets and improvements in blockchain tools, more real estate agents, escrow services, and some sellers are open to crypto-funded purchases. But the process remains complex. It’s not just about […]
USDA Loan Income Limits by State [2025 Update]
The USDA loan program is a federal mortgage program for purchasing housing in rural and some suburban areas. The United States Department of Agriculture backs this type of loan. Its main advantage is 100% financing, which means no down payment is required to buy a home. However, not everyone can get this loan. The key […]
Top 5 FHA Lenders in 2025
Finding the right FHA lender is a big part of buying a home in the U.S. in 2025. The Federal Housing Administration still helps people who don’t have perfect credit or big savings. You can get an FHA loan with just 3.5% down. In 2024, more than 16% of all U.S. mortgages were FHA loans, […]
Refinance vs. HELOC: Which Saves More in 2025?
In 2025, more and more homeowners are starting to compare: what’s more beneficial — refinancing a mortgage or opening a HELOC (a home equity line of credit)? At first glance, both options help you access money, but in reality, they have different purposes, terms, and impacts on your household budget. For example, refinancing replaces your […]
What Is a 2-1 Buydown and Should You Use It?
Buying a home often comes with financial pressure, especially in the early years of a mortgage. Monthly payments can be high, and interest rates fluctuate with the market. That’s why some buyers look for ways to reduce their mortgage payments in the beginning. One option is the 2-1 buydown. This is a mortgage arrangement that […]
FHA vs. Conventional Loan: What’s Better in 2025?
Most Americans use mortgage loans to buy homes. The most common ones are FHA loans and conventional loans. In 2025, understanding the differences between them directly affects the choice of loan terms, including the size of the down payment, total overpayment, and the price range of homes available to you. What Is an FHA Loan […]
15-Year vs. 30-Year Mortgage: Pros and Cons
When buying a home, you need to decide on the mortgage term immediately. The most common options are 15 or 30 years with a fixed rate. Both types of loans follow a similar structure, but the difference in interest rates, monthly payments, and total overpayment is very noticeable. With a 15-year mortgage, you repay the […]
What Happens If You Miss a Mortgage Payment?
A missed mortgage payment always causes anxiety, but it does not lead to immediate foreclosure. Non-payment triggers a sequence of events that becomes more difficult to stop with each passing day. It is important to understand the order of these steps to make the right decision and protect your home, credit history, and budget. Which […]