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The Keys to Homeownership

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Latest Articles

Mortgage 101

Can a Person on Government Assistance Get a Home Loan?

Owning a home is part of the American dream, and everyone should have the opportunity no matter who they are. That’s what mortgages are...

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Mortgage 101

Why Does it Take 30 Years to Pay Off a Mortgage?

Long story short- it doesn’t. Homebuyers often choose a 30 year loan because it creates a more feasible monthly payment.

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Mortgage 101

Can You Borrow Money for a Down Payment?

The down payment is often the biggest obstacle to homeownership. Saving enough money can take months or years, keeping you renting even...

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Mortgage 101

Is it Better to Put a Large Down Payment on a House?

For decades, conventional wisdom told us to make a down payment of at least 20%. But times are changing with the average first-time...

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Mortgage 101

Homeownership and Divorce: What You Need to Know

The divorce rate in the U.S. continues to decline, with just 2.9 people per 1000 getting divorced each year. But, when you’re the one...

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Mortgage 101

Closing Costs: A Basic Guide

When you buy a home, it’s understood that you have to account for ancillary costs. Doing your homework is part of being a responsible...

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Mortgage 101

How Does an Appraisal Affect a Mortgage?

So you made an offer on a house, the seller accepted, and now, like nearly half of all Americans, you need a mortgage to make that house...

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Mortgage 101

What Credit Score Do You Need for a VA Loan?

The United States Department of Veterans’ Affairs (VA) is known for the health care it provides to veterans. The VA is a cabinet-level...

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Mortgage 101

Do Mortgage Preapprovals Affect My Credit Score?

Your credit score is one of those big, important financial things they don’t teach you about in school. A high credit score can open the...

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Mortgage 101

Pros and Cons of a Conventional Loan

Conventional loans can be a great option for homebuyers, but before settling on this particular form of financing, do yourself a favor...

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