Articles
Can FHA Be Used on Land?
Can FHA be used on land in 2026? Yes — but only through the FHA One-Time Close Construction Loan, which combines land purchase and home construction into a single mortgage. This program requires 3.5% down for 580+ FICO borrowers and mandates the land be used for a primary residence. FHA loans cannot finance vacant land ... Read more
Private Money Loan Guide
A private money loan is a home loan funded by a private individual or company, not a bank, credit union, or traditional lender. Private lenders can approve loans in just 3 to 10 days because they focus mostly on the property’s value, not on your credit score or income history. This makes private money loans ... Read more
California Dream for All Shared Appreciation Loans Program
With all media outlets talking about home buyers incentives in the the fast-paced world of real estate, the question on many prospective homeowners’ minds is: Is California really giving away $150,000 for first-time home buyers? With skyrocketing housing prices in the Golden State, the prospect of receiving such a substantial sum to help with a ... Read more
What Is Fix and Flip Loan Financing?
What is a fix and flip loan? It’s short-term real estate financing designed specifically for investors buying, renovating, and reselling distressed properties. Unlike conventional mortgages, these loans close in 7-14 days. They fund both the purchase and renovation in a single deal. And they qualify you on the property, not your personal income or tax ... Read more
How to Lower Your Mortgage Payments: Step by Step
Lowering your mortgage payment can free up hundreds of dollars per month for other financial goals. In 2026, the strategies for reducing payments differ from just a few years ago. The Federal Reserve raised rates on September 16, 2026 for the first time since 2023, which changed the calculus for refinancing. This step-by-step guide covers ... Read more
