Blog

Big-Bank Fatigue: Why Shopping Local (Broker Style) Might Save Your Deal Ever feel like dealing with a big bank is like trying to get a hold of customer service at…

Streamlined Refinances: The Fast Track to Lower Payments Without the Hassle Let’s be real—refinancing your mortgage usually comes with a ton of paperwork, endless back-and-forth with the lender, and way…

Non-QM: Why Outside-the-Box Lending Isn’t Just for the Self-Employed When people hear “Non-QM loans,” they often think they’re just for self-employed borrowers who can’t qualify for a traditional mortgage. And…

Being self-employed has its perks—flexible schedules, the ability to be your own boss, and the chance to build something from the ground up. But when it comes to securing a…

We’ve all been there—watching interest rates rise, fall, and bounce around, wondering if now is the best time to lock in. It’s easy to get caught up in “rate FOMO”…

When you’re in the market for a home, the traditional path to securing financing usually involves having a steady income, a strong credit score, and a solid history of W-2…

Let’s face it: the mortgage industry is constantly shifting. Interest rates go up, housing prices fluctuate, and new trends and challenges are always emerging. The big question is: How do…

Alright, let’s cut through the noise. By now, you probably know that pre-approval is an important first step in buying a home. You’ve heard all the usual benefits—knowing your budget…

If you’re on the hunt for a mortgage with a low down payment, there’s one option that’s been holding it down since day one: the FHA loan. It’s the OG…

If you’ve ever wished for a mortgage that could adapt to your unique financial situation, let me introduce you to the Swiss Army knife of home financing: Non-QM loans. Just…

Let’s face it—mortgage rates have been all over the place lately, and if you’ve been shopping for a home loan, you’ve probably heard about Adjustable-Rate Mortgages (ARMs). These aren’t the…

It’s the most wonderful time of the year, and as Santa is checking his list twice, you should be doing the same—especially if homeownership is on your holiday wish list…

The holiday season is here, and it’s all about giving—and maybe even receiving—something special. If homeownership is on your wish list, let me introduce you to the ultimate gift from…

Alright, let’s talk about the holidays—gatherings, gifts, and maybe even your dream home under the tree. But if traditional financing has you feeling boxed in, it’s time to think outside…

Let’s cut to the chase—refinancing your mortgage before the New Year isn’t just smart; it’s game-changing. 2025 is almost here, and if you’re ready to crush your financial goals, now’s…

You’ve been eyeing your dream home, but there’s one thing holding you back—the down payment. Sound familiar? Here’s some good news: you can use gift funds to cover part (or…

Applying for a mortgage can be an exciting yet nerve-wracking process, especially when you’re eager to secure your dream home. But sometimes, despite your best efforts, your mortgage application might…

Thinking about buying your first home or refinancing? You’ve probably heard about FHA loans. But what exactly are they, and could they be the right fit for you? Let’s break…

When it comes to securing a mortgage, most people are familiar with traditional loan options like conventional loans, FHA loans, and VA loans. However, there’s another type of loan that’s…

Introduction: Trying to save for a down payment can feel like banging your head against the wall, but it doesn’t have to be that way. With the right strategy, you…

Make Your Mortgage Work for You Let’s face it: A 30-year mortgage feels like a life sentence. But what if you didn’t have to wait three decades to be free…

Buying a home can be an exciting milestone, but it often comes with significant financial hurdles, particularly the down payment. Fortunately, down payment assistance (DPA) programs can help ease this…

When it comes to buying a home, one of the most critical decisions you’ll make is choosing the right mortgage. With various options available, understanding the different types of mortgages…

Navigating the mortgage application process can be daunting, especially for first-time homebuyers. However, with the right preparation, you can streamline the experience and increase your chances of approval. Here’s a…

Interest rates play a pivotal role in shaping the home-buying landscape. Understanding how these rates influence potential buyers’ purchasing power and overall market conditions is essential for making informed decisions…

When buying a home, it’s easy to focus solely on the property itself—how many bedrooms it has, the size of the yard, or the kitchen’s modern finishes. But an equally…

Securing the best mortgage rate can save you thousands of dollars over the life of your loan. Whether you’re a first-time homebuyer or looking to refinance, here are some insider…

The gig economy offers flexibility and independence, but when it comes to buying a home, unconventional income can present unique challenges. If you’re a freelancer, contractor, or gig worker, securing…

Artists often face unique financial challenges when it comes to securing a mortgage. Irregular income, fluctuating market demands, and unconventional employment structures can make traditional lending criteria difficult to meet…

Home equity is a powerful financial tool that goes beyond simple refinancing. Once you’ve built up equity in your home, you can tap into it for various creative and strategic…

Getting approved for a mortgage can feel like navigating a maze. The paperwork, the waiting, the uncertainty—it’s enough to make anyone anxious. But fear not! With a bit of preparation…

When you first receive your mortgage statement, it can feel like you’re staring at a foreign language. All those numbers and terms can be overwhelming. But don’t worry! We’re here…

When you’re in the market for a new home, it’s easy to focus solely on the sticker price. You might think, “If I can afford the mortgage, I’m all set!”…

Imagine spending your retirement years exploring new destinations, immersing yourself in diverse cultures, and ticking off items on your travel bucket list. For many seniors, a reverse mortgage could be…

Securing a favorable mortgage rate can save you thousands of dollars over the life of your loan. However, locking in the best rate requires more than just luck; it involves…

Homeownership is a significant milestone, but the thought of being tied to a 30-year mortgage can be daunting. What if there was a way to pay off your mortgage faster…

Navigating the home-buying process can be daunting for anyone, but it can be especially challenging if you’re self-employed. Without a traditional paycheck and a conventional 9-to-5 job, securing a mortgage…

Dreaming of owning a home but feeling daunted by the down payment? You’re not alone, and we’re here to help! At RCG Mortgage, we believe that homeownership should be accessible…

Welcome back to our blog, where we turn the complexities of mortgages into something easy and fun. Today, we’re tackling a topic that often feels like the fine print of…

Today, we’re tackling a topic that’s been a thorn in the side of many aspiring homeowners: the 20% down payment myth. Yes, you read that right—it’s a myth! You don’t…

Welcome to our cozy corner of the internet where mortgages aren’t just a financial commitment—they’re an adventure! Whether you’re a first-time homebuyer or a seasoned real estate pro, finding the…

In the journey to homeownership, securing the right mortgage is paramount. It’s not just about finding a lender willing to extend you a loan—it’s about finding the best terms, rates,…

When obtaining a mortgage, your credit score is pivotal in determining your eligibility and interest rate. While a low credit score may present challenges, it doesn’t have to be a…

Securing a mortgage can be complex and daunting, especially for individuals with non-traditional income sources. Whether you’re self-employed, receive income from rental properties, or have income from investments, navigating the…

As a seasoned mortgage expert, I’ve witnessed firsthand the financial freedom of paying off your mortgage ahead of schedule. It’s a goal that many homeowners aspire to achieve, and with…

For many, purchasing their first home is a monumental milestone, marking a significant step towards financial stability and personal fulfillment. However, navigating the complex landscape of mortgage loans can be…

In an ever-evolving real estate landscape, where markets fluctuate, and financing options diversify, creative solutions have become indispensable for both buyers and sellers. Whether you’re a first-time homebuyer navigating through…

Securing a mortgage is one of the most significant financial decisions you’ll make in your lifetime. Among the many factors to consider, the interest rate on your mortgage plays a…

Embarking on the journey to homeownership is an exciting but often complex process, especially when securing the right mortgage. Amidst the sea of loan options, interest rates, and financial jargon,…

The journey to homeownership involves navigating through various stages, and one crucial step in the process is the home appraisal. Appraisals play a pivotal role in determining the fair market…

Owning a home is a significant achievement, but the burden of a mortgage can sometimes feel overwhelming. The good news is that there are creative and effective ways to pay…

For many, the journey to homeownership is an exciting adventure, a significant milestone that marks financial stability and the fulfillment of lifelong dreams. However, the path to purchasing your first…

Embarking on the journey to homeownership is thrilling and complex, with numerous financial considerations. One crucial aspect that often comes into play is Private Mortgage Insurance (PMI). In this blog…

Embarking on the journey of homeownership involves navigating a myriad of financial considerations, and at the forefront of this venture is the often mysterious realm of credit scores. Understanding the…

 Today, we are going to dive into the nitty-gritty of what makes up your monthly mortgage payment. You might be surprised to learn that it’s not just about repaying…

So, you’ve just taken the plunge and secured a 30-year fixed-rate mortgage. But the thought of three long decades of monthly payments might be daunting. You might wonder if there’s…

   Unveiling the Magic of Non-QM Mortgages Emerging from the shadows of the pandemic, you find yourself steering a thriving business ship. Revenue is scaling heights that leave you…

 In a world where homeownership seems like an elusive dream for those with less-than-perfect credit scores or limited down payment savings, a glimmer of hope emerges in the form…

In today’s market update, we’re going to be talking about a very important concept. Lock or float, and why it is very important to you, the consumer or a realtor…

The government just increased the conforming loan limits and here is everything you need to know about it. What is a conforming loan? A conforming loan. It has to do…

It’s time again for Mortgage Minute with D&G, and by D&G, that means Daniella and Gabriella if you guys don’t know. We are at a time when mortgage demand is…

How can you get a lower interest rate in this housing market? I’d like to talk about the Two-One Buydown. Make sure to read until the end to determine how…

Here are three reasons why you need to work with a mortgage broker. The three reasons are speed, options, and service speed. Speed. Everybody loves instant gratification. When you work…

Here is how my Psychology background helped me become the mortgage broker of the year. If you want to take your business to the next level, try applying what you…

If you were given a chance to choose between a 15-year fixed rate mortgage versus a 30-year fixed rate mortgage, choose to go with the 30-year fixed rate mortgage, and…

Did your offer get accepted?  If so, congratulations! One of the first major items in the escrow process is the home inspection. Hopefully you took some time for yourself to…

In earlier posts we discussed finding the right lender and realtor. Now it is time to move on to the most exciting and sometimes nerve racking part of the home…

In our last post we talked about the pre-approval and how the two most important items that any potential home buyer needed to focus on first was their credit and…

Many people find it useful to have a checklist and on any good checklist these 2 items should be the first items on that list. as they are essential to…