Loan Types & Basics Resources
Everything you need to know about the basics of financing, types of loans, and how they work. Learn about different loan types, common home loan questions, mortgage terminology, and how to manage your loan after closing.
FHA 203(k) Loan in 2026: How to Finance a Fixer-Upper With One Mortgage
The Two Questions I Ask Every Borrower First Before I get into anything else on a 203(k) call, I'm asking...
FHA Loans in Colorado: The Complete 2026 Guide for Buyers
What FHA Loans Offer Colorado Buyers Every borrower situation is different. Before the Colorado-specific details, it helps to understand what...
House Rich, Cash Poor: Using Home Equity in Retirement Without a Reverse Mortgage
Why Home Equity Has Become Retirement Income Retirement planning used to treat the house as the thing you lived in...
Pennsylvania Jumbo Loan Limits in 2026: When You Need One and How to Decide
How Pennsylvania's Conforming Limit Works The Federal Housing Finance Agency raised the current baseline conforming loan limit to $832,750 for...
USDA Loan Map for Nebraska: 2026 Eligible Areas, Income Limits, and How to Apply
What "Rural" Means in Nebraska: Reading the USDA Eligibility Map Every situation is different, and the first question I hear...
FHA Cash-Out Refinance (FACOP) in 2026: Rates, Requirements, and How It Compares to Conventional Cash-Out
What FACOP Actually Means FACOP is HUD's internal shorthand for the FHA cash-out refinance program, and the name causes more...
What is an Adjustable-Rate Mortgage (ARM) Loan?
What an ARM Is and How It Differs from a Fixed-Rate Mortgage One of the most appealing benefits of a...
Non-Owner-Occupied Mortgage Rates in 2026: Why Investment Property Costs More and How to Manage the Premium
What “Non-Owner-Occupied” Means, and Why Lenders Charge More for It Every investor who runs the numbers on a rental eventually...
How to Apply for a HELOC in 2026: A Step-by-Step Guide From a Mortgage Processor
What a HELOC Actually Is Before You Apply A home equity line of credit is a loan that uses your...