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Notes on financing

Short, useful reading on the questions I answer most — written for borrowers, not for underwriters.

January 15, 2026 · 4 min read

Lender Down Payment Assistance Programs

Grant and second-lien help with the down payment — available to eligible FHA and Conventional borrowers.

February 27, 2026 · 4 min read

As a NAMB Certified Credit Specialist, these are the adjustments that move scores fastest.

March 12, 2026 · 4 min read

Zero-down financing for homes in eligible rural and suburban areas — and more neighborhoods qualify than you think.

April 19, 2026 · 6 min read

Write-offs that help at tax time can hurt at underwriting. Bank statement and non-QM programs solve for that.

May 14, 2026 · 5 min read

Zero down, no monthly mortgage insurance and flexible guidelines — a benefit too many veterans never use.

June 2, 2026 · 4 min read

Firefighters, nurses, teachers, law enforcement and military members earn real money back at closing. Here is the breakdown.

July 14, 2026 · 5 min read

Pre-approval is more than a number on a letter — it is the leverage that gets your offer taken seriously.

August 13, 2026 · 4 min read

Rental property financing built on the rent the home earns — no tax returns, no W-2s required.