by Tevis Durbin | Jan 27, 2026 | Mortgage
Say “adjustable-rate mortgage,” and many people still flinch. That reaction makes sense. The last time ARMs were widely used, many borrowers didn’t fully understand them, and the system didn’t protect them. Payments jumped, options were...
by Tevis Durbin | Jan 22, 2026 | Mortgage
Most buyers do not learn about the term “non-warrantable condo” until it becomes a problem. Everything feels lined up. You have approval, and like the unit. It’s in your price range. Then the lender says, “This condo is not warrantable.”...
by Tevis Durbin | Dec 2, 2025 | Mortgage
For years, the rule felt ironclad: if your credit score fell below a particular line, the conversation ended. A 580 or 560 rarely gave you a chance to explain the story behind the number. Today’s lending environment looks different. Updated guidelines, more...
by Tevis Durbin | Nov 28, 2025 | Mortgage
Most first-time buyers assume credit works like a school grade that stays on their record forever. You miss a payment, the score drops. Pay on time, and it rises. You don’t use credit for a while, nothing changes. It feels logical, but the system doesn’t...
by Tevis Durbin | Nov 27, 2025 | Mortgage
If you have seen the headlines lately, you have probably heard some version of this: “Fannie Mae removes the minimum credit score for conventional loans.” It is true, and it is a significant update. But here is the part nobody is explaining in plain...
