Sometimes yes, sometimes no. HELOC interest is tax deductible in 2026 only if you use the money to buy, build, or fix up the same home that backs the HELOC. If you use the money for other things, like paying off credit cards or going on vacation, you cannot deduct the interest. The Simple Rule … Read more
Yes, you can get a home loan with credit card debt in 2026, but the amount of debt and how it affects your debt-to-income (DTI) ratio determines whether you qualify and at what rate. Conventional loans backed by Fannie Mae and Freddie Mac allow DTI up to 50% with automated underwriting, FHA loans permit up … Read more
To calculate debt to income for a mortgage, add up your monthly debt obligations (housing, credit cards, auto loans, student loans, child support, and other recurring payments) and divide that total by your gross monthly income, then multiply by 100. Lenders use this DTI ratio to determine how much mortgage you can afford. In 2026, … Read more
The 2026 Guide to Using Home Equity to Remodel By John Tappan | NMLS# 394171 A home equity loan for home improvements lets you borrow against your home’s accumulated equity as a fixed-rate lump sum, repaid on a set schedule of 5 to 30 years. Most lenders in 2026 allow you to borrow up to … Read more
By John Tappan | NMLS# 394171 How soon you can refinance a FHA loan depends on which refinance product you choose. The FHA Streamline Refinance requires a 210-day waiting period from your current loan’s closing date, six on-time payments, and at least six months since your first payment due date. The FHA rate-and-term refinance requires … Read more
By John Tappan | NMLS# 394171 No, USDA loans do not require traditional private mortgage insurance (PMI). However, USDA borrowers do pay a similar cost called the USDA guarantee fee, which has two parts: a 1.00% upfront fee charged at closing and a 0.35% annual fee paid monthly for the life of the loan. The … Read more
How to Apply for a CDFI Loan in California in 2026 A CDFI loan is a mortgage, business loan, or other financing product originated by a Community Development Financial Institution—a specialized lender certified by the U.S. Treasury’s CDFI Fund to serve low-income, underbanked, and historically underserved borrowers and communities. CDFI loans cover home purchase, refinance, … Read more
If you live in Texas and own a home, you may want to take out equity for a major purchase, such as home renovations. In the Loan Star State, you can get a Texas HELOC or home equity loan to access the cash you need, but there are certain rules that lenders must follow that … Read more
For the right borrower, non-QM loans are a safe, well-regulated, and time-tested financing option in 2026. The “non-qualified” label refers to a loan’s regulatory classification, not to loan quality or borrower risk. Non-QM loans still require lenders to verify a borrower’s ability to repay, and a decade of data shows cumulative default rates near 3.8% … Read more
How to Finance Raw Land, Lots, Farms, and Commercial Acreage in 2026 Land loans in 2026 are available for nearly every property type raw land, improved lots, hobby farms, recreational acreage, agricultural ground, and commercial parcels, but they price 1% to 3% above conventional mortgage rates and require 20% to 50% down depending on the … Read more
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BD Nationwide Mortgage
BD Nationwide Mortgage, 515 Encinitas Blvd. Ste 100, Encinitas, California 92024
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Loan Types
BD Nationwide Mortgage
BD Nationwide Mortgage, 515 Encinitas Blvd. Ste 100, Encinitas, California 92024
BD Nationwide Mortgage, 515 Encinitas Blvd. Ste 100, Encinitas, California 92024