Loans with Forbes

10/29/2026

Don't try to time the market; spend time IN the market. Over 30 years, that's how wealth is truly built. Delaying homeownership could cost you $10k-$15k in net worth annually. The sooner you buy, the better it works out.

10/28/2026

Dreaming of owning a home? Explore FHA loans with just 3.5% down and flexible credit requirements, perfect for first-time buyers. Discover conventional loans, requiring only 3% down for eligible first-time buyers. Your path to homeownership starts here.

10/27/2026

Choosing between a 3% and 8% loan? Most would pick the 3%. But what if the 8% payment is $1,000 a month, and the 3% is $10,000? Suddenly, that 8% rate looks much more appealing.

10/26/2026

VA loans, backed by the government, offer phenomenal pricing for those who have served in the Navy, Marines, Army, or other armed forces. If you were discharged with benefits, this is the loan for you.

10/25/2026

10/25/2026

An appraisal safeguards buyers from overpaying and lenders from overextending. If an appraisal comes in low, for instance on a $300,000 contract where it appraises at $290,000, you can renegotiate the price with the seller to match the appraisal value.

10/24/2026

Your home's value increases over time, typically 3-4% annually. Each mortgage payment also reduces your principal. This growing gap between your home's value and your loan balance is your home equity – direct net worth in your pocket.

10/23/2026

A loan officer's job is crucial in real estate offers. A pre-qualification is a basic check, but a pre-approval involves verifying credit and income. That verified offer is always stronger for sellers.

10/22/2026

Two buyers closed at different rates: 7% vs 5.5%. One needed a lender credit due to being short on funds, so a higher rate secured that credit. The other used a seller concession to buy down their rate, planning a long stay. It's all about strategy.

10/21/2026

Not budgeting for your mortgage payment can lead to being 'house poor.' You might be able to afford the home, but sacrificing other activities becomes necessary. Understanding the true cost on paper prevents this.