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For many first-time homebuyers with a military background, VA loans offer an incredible path to homeownership with zero down payment, no private mortgage insurance (PMI), and competitive interest rates. But before you can enjoy these benefits, there’s one big question: Do I qualify for a VA loan? Below, we’ll break down VA loan eligibility for […]

When you apply for a mortgage, one of the first things lenders evaluate is your Debt-to-Income (DTI) ratio. If you’re a first-time homebuyer in California, understanding your DTI can help you avoid surprises and strengthen your chances of qualifying for the right loan. Let’s break it down in simple terms. What Is Debt-to-Income (DTI) Ratio? […]

When most first-time buyers think about a mortgage, they often focus on two main parts: principal and interest. But when you receive your monthly mortgage bill, you may notice that the amount is higher than expected. That’s because your mortgage payments often include more than just the cost of borrowing money. There’s a third key […]