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Key Takeaways: You can qualify for a home loan using your liquid assets, like savings, stocks, and retirement accounts, instead of traditional pay stubs or tax returns. These loans are designed for retirees and self-employed people who have significant wealth but show...
Key Takeaways: Most lenders require a minimum credit score of 620 for standard loans or 580 for FHA loans. Even if a co-signer has perfect credit, the bank will often use the lower score of the two people to decide the interest rate. Co-signing makes you legally...
Key Takeaways: A judge can decide who pays the house bill, but they cannot force a bank to remove your name from the loan. You are still legally responsible for the debt until you refinance the house, sell it, or get a formal release from the lender. Removing your...
Key Takeaways: A 1031 exchange allows you to sell an investment property and reinvest the profit into a new one to delay paying capital gains taxes. You must follow a strict timeline: 45 days to identify a new property and 180 days to close the deal. You cannot handle...
If you’re asking what a VOE loan is, you’re probably in a familiar spot. You have steady work, but the usual paperwork trail feels thin, messy, or just plain slow. Maybe you’re newly salaried, you changed roles, your pay structure is a little unusual, or you simply...
Key Takeaways: A HELOC for home improvement is a flexible line of credit secured by your home, often with lower rates than credit cards, and you only pay interest on what you use. Pick a HELOC when project costs may change over time, and pick a home equity loan or...
Key Takeaways: Short-term rentals can earn more money per night, but act like a business that requires daily work and higher operating costs. Long-term rentals offer steady and predictable income that makes it easier to qualify for standard property loans. The best...
Key takeaways A duplex is a residential property that contains two separate living units under one single roof. Owners often live in one unit and rent out the other to help pay their mortgage and build savings. These homes are popular with first-time buyers because...
Key Takeaways: Common reasons for rejection. Most mortgage denials occur due to credit issues or a high debt-to-income ratio. Lenders review your finances closely to ensure you have enough income to cover the new loan and your current debts. You have a right to know...
Key Takeaways: Families often pick suburbs like Santa Clarita and Burbank because they offer safe streets and highly rated schools. These communities give you more space and a quieter lifestyle just outside the city. Finding an affordable home usually means looking...
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