All articles tagged: “Mortgages”

(84 total)

Blog

364 views

3 min read

Guild Implements FICO Score 10 T for Non-GSE Loans

Guild Implements FICO Score 10 T for Non-GSE Loans

Guild Mortgage joins the recent roster of lenders that have begun implementing FICO Score 10 T to underwrite non-GSE loans, or loans that don’t... read more »

By: Eric Bank • 6/18/25

Blog

372 views

3 min read

Consumer Shield: House Panel Passes Bill to Curb Predatory Mortgage Trigger Leads

House Moves to Kill Predatory Mortgage Lead Tactics

Pressure is mounting in Washington to close down the resale of mortgage trigger leads — a business long criticized for dumping a deluge of... read more »

By: Eric Bank • 6/17/25

Blog

6,264 views

3 min read

Pulte’s Critique of FICO Reignites Debate Over Mortgage Scoring Monopoly

Pulte’s FICO Critique Reignites Mortgage Scoring Debate

Federal Housing Finance Agency Director Bill Pulte’s public criticism of FICO’s escalating pricing model has set off industrywide speculation... read more »

By: Eric Bank • 6/3/25

Blog

28,443 views

3 min read

Fast-Track Mortgages? Equifax Thinks It’s Found the Answer with Upfront Employment Verification

Fast-Track Mortgages? Equifax Thinks It's Found the Answer

Equifax recently unveiled a new product it’s calling The Work Number® Report Indicator that could revolutionize the mortgage industry: a combined... read more »

By: Eric Bank • 4/1/25

Guide

40,274 views

11 min read

What is an Adjustable Rate Mortgage? How Interest is Determined and When an ARM is a Good Idea 

How Adjustable Rate Mortgages Work

I’ve owned my fair share of mortgages over the years, and if memory serves, that first one was adjustable. Now, interest rates were sky-high back... read more »

By: Eric Bank • 12/17/24

Guide

90,972 views

13 min read

What is a Mortgage? A Look at How Home Loans Work and the Approval Process

What is a Mortgage? A Look at How Home Loans Work

I still remember getting my very first mortgage as if it happened just yesterday. It was like climbing a mountain every month to keep up with the... read more »

By: Eric Bank • 10/7/24

Guide

83,524 views

9 min read

What is Foreclosure? How Homeowners Can Avoid the Painful Process

What is Foreclosure? How Homeowners Can Avoid the Painful Process

If you’ve ever missed a bill payment (or come close), you know the sinking feeling that can come with it. When that happens with your mortgage,... read more »

By: Choncé Maddox • 9/16/24

Blog

100,000+ views

5 min read

Misconceptions About Home Affordability Could Be Leaving Families Out of Creating Generational Wealth

Mortgage Misconceptions Could Cost Families a Shot at Generational Wealth

Buying a house isn’t always a straightforward process, and it can be especially confusing for first-time homebuyers. Greater... read more »

By: Andrew Allen • 8/21/24

Guide

100,000+ views

3 min read

How Do Credit Scores Affect Mortgage Interest Rates?

How Do Credit Scores Affect Mortgage Rates?

The world of mortgage interest rates has been on quite the roller coaster over the last few years. Mortgage interest rates for garden-variety... read more »

By: John Ulzheimer • 3/14/24

Blog

100,000+ views

5 min read

Innovative Mortgage Products from Evergreen Home Loans Help Buyers Purchase the Homes They Desire

Evergreen Home Loans Helps Buyers Purchase the Homes They Desire

Purchasing a home is a tried-and-true strategy for increasing net worth and ultimately creating wealth families can pass on. But... read more »

By: Mike Senecal • 2/2/24

Guide

100,000+ views

9 min read

Best Post-Bankruptcy Home Loans in 2025

7 Best Post-Bankruptcy Home Loans

Bankruptcy isn’t the end of the world — it’s a new beginning. If you choose to use it constructively, it marks the start of your journey back to... read more »

By: Eric Bank • 8/21/23

Guide

100,000+ views

11 min read

Low-Income Home Loans for Bad Credit in 2025

Low-Income Home Loans for Bad Credit

It’s a cliché for a reason: Buying a home truly makes you feel like you’ve fulfilled the American dream. But if you have a low income and bad... read more »

By: Zina Kumok • 8/8/23

Blog

100,000+ views

5 min read

EarnUp Continues to Help Borrowers Pay Off Loans More Efficiently Through Automatic Payments

EarnUp Enhances Loan Payment Efficiency for Borrowers

Many American homeowners may feel saddled with interest that compounds over years and decades, costing them far more than the... read more »

By: Jon McDonald • 7/7/23

Guide

100,000+ views

9 min read

Home Equity Loans for 500-600 Credit Scores in 2025

Best Home Equity Loans For 500-600 Credit Scores

A home equity loan is a popular financing option that can help you pay for home repairs, pay off debt, or cover other important expenses. In the... read more »

By: Choncé Maddox • 6/26/23

Blog

100,000+ views

5 min read

American Financing Helps First-Time Homebuyers Work On Their Credit Scores and Secure Home Loans

American Financing Supports First-Time Homebuyers

American Financing is one of the most supportive mortgage lenders in the industry for first-time homebuyers. Its consultants... read more »

By: Jon McDonald • 5/30/23

Blog

100,000+ views

5 min read

Freedom Mortgage: Responsive Service and Vast Lending Options Help Homebuyers Achieve Goals

Freedom Mortgage: Service and Options Helps Homebuyers Achieve Goals

Freedom Mortgage aims to help more borrowers purchase their first homes. One of the team’s priorities is to educate individuals... read more »

By: Jon McDonald • 3/28/23

Blog

100,000+ views

5 min read

Mr. Cooper Offers Mortgages and Guidance to Make Homebuying Easier and More Accessible

Mr. Cooper Can Make the Homebuying Process Easier and More Accessible

The most important investment most people will ever make is in owning their home. But in today’s market, purchasing a home is out... read more »

By: Mike Senecal • 3/14/23

Guide

100,000+ views

5 min read

How FICO 10T Will Impact Subprime Mortgage Lending

How FICO 10T Will Impact Subprime Mortgage Lending

In January 2020, FICO, the company that invented credit scoring and my former employer, announced the latest generation of its ubiquitous credit... read more »

By: John Ulzheimer • 1/2/23

Blog

100,000+ views

5 min read

CalHFA Helps First-Time Homebuyers Purchase Homes with Down Payment Assistance and Forgivable Loans

CalHFA Funding Helps Californians Buy Their First Homes

The California Housing Finance Agency (CalHFA) aims to help make buying a starter home more affordable. The agency can provide up... read more »

By: Brandon Rossman • 10/26/22

Blog

100,000+ views

5 min read

Sonoma County Mortgages and New American Funding Differentiate by Offering Transparent Advice

Sonoma County Mortgages Offers Transparent Lending Advice

Scott Sheldon founded Sonoma County Mortgages more than a decade ago to help would-be homebuyers understand the ins and outs of... read more »

By: Jon McDonald • 10/17/22

Blog

100,000+ views

5 min read

Sammamish Mortgage Takes an Educational Approach to Helping Homebuyers Qualify for Right-Size Loans

Sammamish Mortgage Takes an Educational Approach to Lending

SammamishMortgage is an online lender that helps clients select and apply for the right mortgages. Some of the company’s most... read more »

By: Jon McDonald • 10/14/22

Blog

100,000+ views

5 min read

Opendoor’s New Financing App Streamlines the Home Buying Process

Opendoor’s New Financing App Streamlines Home Buying

The Opendoor mortgage team’s financing app puts the power to buy a home in the palm of consumers’ hand by enabling them to... read more »

By: Brandon Rossman • 8/31/22

Guide

100,000+ views

7 min read

Subprime Home Equity Loans in 2025

4 Options For Subprime Home Equity Loans

Subprime home equity loans are available to homeowners who happen to have bad credit. We’ve reviewed and ranked four lenders that specialize in... read more »

By: Eric Bank • 8/26/21

Guide

100,000+ views

7 min read

Tips for Securing a Mortgage with Bad Credit

10 Tips: Securing a Mortgage With Bad Credit

If your credit is bad but you want to become a homeowner with the help of a loan, don’t abandon your dream. Credit scores range from 300 to 850,... read more »

By: Erica Sandberg • 8/2/21

Guide

100,000+ views

9 min read

Home Loans for Bad Credit in 2025

9 Home Loans For Borrowers With Bad Credit

The availability of home loans for bad credit extends the American dream of homeownership to folks who have less-than-perfect credit. These... read more »

By: Eric Bank • 7/28/21