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Retirement should be your time to relax and enjoy life. But if you’re like many American seniors today, you might be feeling the pinch of rising costs. Healthcare expenses that seem to climb every year and inflation eating into your fixed income can be a lot to manage.
What if you could buy your dream retirement home without monthly mortgage payments?
If you’re 62 or older and thinking about making a move, traditional mortgage loans might feel overwhelming. The thought of taking on new monthly payments in retirement can be stressful, especially when you’re living on a fixed income.
Owning a home has always come with benefits—both emotional and financial. But the 2025 tax changes for homeowners are giving buyers, longtime homeowners, and investors more reasons to celebrate.
Buying a new home while still owning your current one can feel overwhelming—but it doesn’t have to be. Whether you’re relocating, upgrading, or simply found your dream home sooner than expected, there are strategic ways to make it happen without having to sell first.
Your home is more than a property. It’s where birthday candles were blown out and holiday memories were made. When it’s time to sell, you want the full value of your home.
Are you dreaming of moving into a new home or condo that better fits your lifestyle but don’t know how you can confidently buy a new home while selling the one you’re in?
If you’re in need of cash but already have a killer rate on your first mortgage, and you don’t want to pay the high interest rates associated with a credit card, then a home equity line of credit—HELOC for short—may be the perfect solution. HELOCs work by utilizing the equity in your home. You’ve worked hard and consistently made your monthly payment, so why not let all the equity you’ve built up in your home now work for you?
For real estate investors looking to scale their portfolios, navigating traditional mortgage qualifications can be a significant roadblock. Standard underwriting methods often require extensive income documentation, tax returns, and debt-to-income calculations that may not reflect an investor’s true financial picture—especially if they own multiple properties or operate under a business entity.
Most people understand that owning real estate can be a great investment. What they may not realize is that this investment can begin to pay off while you still own the home!
If you’ve owned a home over the past several years, chances are you have a smile on your face. That’s because you’ve probably watched your home’s value go up and up (and up). This is where all that scrimping, saving, and stressing over the homebuying process really pays off.
Qualifying for a mortgage can feel more complicated for small-business owners and self-employed individuals. Many mortgage lenders rely on tax returns to verify self-employed income, but these documents don’t always reflect the earnings of business owners, freelancers, or independent contractors.
Qualifying for a mortgage when you’re self-employed doesn’t have to be a pain. It all comes down to organization. Whether you’re self-employed, commission-based, or a full-time or hourly employee, lenders are all looking for the same thing when you apply for a mortgage: a high likelihood you will be able to pay.
Unlike a W-2 employee, however, it takes a little more legwork to verify self-employed income. This is why you want to plan ahead and make sure all your ducks are in a row before you start the mortgage process.
Let’s be real for a second: Mortgages are not cookie-cutter because borrowers are not all the same. There are, of course, some mortgage programs that can serve larger populations—hello, conventional mortgage and FHA loans—but there are plenty of people who aren’t accommodated by these programs for one reason or another.
One of the biggest hurdles for many first-time homebuyers is getting that down payment together. We understand, especially if you’re trying to scrape together 20% of a home’s purchase price (insert large gulp here).
As a medical professional, you’ve dedicated countless hours to building your career and caring for others. Whether you’re a newly graduated doctor, dentist, or veterinarian, or an experienced professional, owning a home can feel like a distant goal. Student debt, limited credit history, and the high costs of buying a property add hurdles to achieving this milestone. Fortunately, the Doctor Loan program is here to change that.
One of the obstacles that keeps first-time homebuyers out of the housing market is the misconception that they need to have a 20% down payment.
Many people think of an existing single-family home when they think about homeownership or buying residential real estate. Purchases of this type of property are common, after all. But there are other residential real estate purchases that might be perfect for your lifestyle and/or financial situation.
Whether you’re looking to fund the minimum down payment or put down more than the traditional 20% when buying a home, saving for a down payment can be a challenge.
