16 million self-employed Americans get rejected by conventional lenders despite solid finances. Here's exactly who non-QM mortgages are built for—and when the higher rate is worth it.
Learn about single income mortgage rates. Discover proven strategies to strengthen your application and secure a competitive rate on one income.
Learn about self-employed mortgage rates. Discover how to prove income without a W-2 and qualify for competitive rates as a self-employed borrower.
Learn about multiple properties mortgage rate. Discover the key pricing mistakes multi-property borrowers make and how lenders really calculate your next rate.
Condo buyers quietly pay 0.25%–0.75% more in mortgage rates due to Fannie and Freddie LLPAs—a penalty that never appears as a line item on your loan estimate.
Millions of veterans overpay because VA mortgage rates aren't government-set—they're negotiable. Here's how to shop lenders and beat the rates civilians are getting.
Lenders average 24 months of net income after deductions — not your gross earnings. Here's why that costs gig workers 0.5–1% more and how to fix it.
Portfolio loan rates run 0.5%–1.5% above conventional—but for self-employed borrowers or investors who can't meet agency guidelines, that premium may be worth it.
A short sale can add 0.5–1.5 percentage points to your mortgage rate and trigger a 4-year waiting period before conventional lenders approve you at competitive terms.
Nurses and teachers can cut their mortgage rate by 0.25%–0.50% or land up to $10,000 in down payment grants through programs like HUD's Good Neighbor Next Door.