Kevin Graham

Considering an escrow waiver? Learn what it is, how it works, eligibility criteria, potential fees, and the pros and cons to decide if it’s right for you.

Borrowers can calculate per diem interest using a simple formula. Learn more about what per diem interest is and how it can be calculated on a mortgage loan....

Wondering how to get a mortgage when you’re self-employed? Learn what you need to qualify and how to put your best application forward to purchase a home.

VA loans are designed to help military personnel, veterans, and their families buy a primary residence, but there are ways you can use one to buy a second home.

Wondering about the average mortgage payment in Michigan? Explore state-specific trends, interest rates, and what to expect when buying a home in the Great Lake...

Understanding escrow shortages and what causes a negative escrow balance is important for homeowners. Read on to learn how to navigate these situations.

Cost basis in real estate is the original value that a buyer pays for their property. Learn more about cost basis and how to calculate it.

A loan modification changes the terms of your existing loan to bring you current by adding past-due payments back to the balance. Understand how it works.

For homeowners dealing with financial hardship, relief options include forbearance and deferment. Learn more about mortgage forbearance versus deferment.

Down payment assistance is available to home buyers with an FHA loan, but restrictions and requirements exist. Learn about FHA grants for down payments here.

Mortgage default can occur if you stop making payments, and it can lead to foreclosure. See how to avoid delinquency and what to do with a mortgage in default.

Mortgage lenders use several credit scores to qualify borrowers and determine the interest rate they offer. Learn more before you start the home buying journey.

Using a “silent” second mortgage to cover your down payment is illegal. Learn what assistance programs you can use instead with our complete fina...

A 40-year loan term can bring down your monthly payment in exchange for paying more overall interest and some riskier features. Learn more about 40-year loan...

Starting your home buying journey with a salary of $100,000 a year? Find out your mortgage options and how much house you can afford with $100K.

A Home Equity Conversion Mortgage is a government-insured loan that allows seniors to convert their home equity into cash. See if a HECM is right for you.

Non-arm’s length transactions involve buying property from someone you know. These transactions have unique tax and legal implications you need to be awar...

Our Jumbo Smart loan simplifies the process of qualifying for a jumbo mortgage. Read on for details!