All Posts

If you're self-employed, own a business, work as an independent contractor, or earn income through commissions, you've probably heard this before: "You make plenty of money, but your tax returns don't show enough income to qualify." It can be frustrating. Many self-employed individuals work with accountants to maximize tax deductions and reduce their taxable income. While that's great at tax time, it can sometimes make qualifying for a traditional mortgage more difficult. The

One of the biggest myths I hear is: "My credit score isn't good enough to buy a home." Many people assume they need a credit score in the 700s or even 800s before they can qualify for a mortgage. The truth is, there are loan programs available for a wide range of credit profiles. While a higher credit score can certainly help you qualify for better terms, you may be much closer to homeownership than you think. Let's take a look at how credit scores impact the mortgage process

One of the most misunderstood parts of getting a mortgage is something called mortgage insurance. I can't tell you how many times I've heard someone say: "I don't want mortgage insurance." And honestly, I understand why. Nobody loves the idea of an additional cost. But mortgage insurance is often what allows people to become homeowners sooner rather than waiting years to save a large down payment. Let's talk about what it is, why it exists, and when it can go away. What Is Mo

Caroline talks about the benefits and cons of renting versus buying.