How to Qualify for a Conventional Loan With No Credit Score
You need a 620 score for a conventional loan, unless you have no score at all. Then, you have options.
June 26, 2025 6 min read
Are Alimony, Child Support, or Separate Maintenance Considered Income When Buying a Home?
Circumstances that led to support payments are never desirable, but one silver lining is that they can help you qualify for a mortgage.
March 18, 2025 4 min read
Mortgage Extenuating Circumstance: How It Shortens Your Waiting Period
What counts as an extenuating circumstance for a mortgage varies by loan type and lender. Here's what to expect plus waiting periods.
October 23, 2023 7 min read
Conventional Loan Seller Concession Maximums 2025: What You Need To Know
The seller can pay all or part of your closing cost bill on a conventional loan, but there are limits.
February 20, 2025 6 min read
Earnest Money: What It Is, How Much You Need, and When It's Due
Earnest money is a deposit that shows sellers you're serious about buying their home, typically ranging from 1% to 3% of the purchase price. This good faith deposit is usually due within a few days of an accepted offer, is applied to your closing costs, and can be refundable under certain contract contingencies.
March 18, 2025 6 min read
Conventional 97 Loan. 3% Down Homebuying Without Using FHA
Conventional loans are a viable alternative to FHA, offering 3% down and cancelable mortgage insurance. Is it the right program for you?
May 21, 2025 12 min read
How to Finance a Barndominium With a Conventional Loan
Conventional lenders will consider financing a "barndo," but it's no guarantee. What to know when shopping for this unique home type.
February 4, 2025 8 min read
Getting a Conventional Loan With Charge-Offs, Collections, and Late Payments
Past credit mishaps don't necessarily make you ineligible for a conventional loan. Here's how to deal with collections and other credit events when applying.
October 18, 2023 6 min read