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Are You Eligible for VA Loans? Exploring the Benefits and Application Process for Veteran Homebuyers
One of the most compelling features of VA loans is that you can finance 100% of the home's purchase price. This means no down payment!
Philip Seely
Mar 285 min read


Unveiling the Unexpected: Uncovering the True Pros and Cons of FHA Loans
About 84% of FHA loans are made to first-time buyers, showcasing their importance in the market for those dreaming of owning a home
Philip Seely
Mar 145 min read


Unlock Your Dream Home with Confidence: Your Ultimate Guide to First-Time Homebuyer Programs and Mortgage Tips
This guide simplifies first-time homebuyer programs and offers practical tips to help you confidently step into your dream home.
Philip Seely
Feb 284 min read


Should You Choose a Fixed-Rate or Adjustable-Rate Mortgage? A Comprehensive Guide for First-Time Homebuyers
Although the P&I parts of your fixed-rate mortgage payment stay the same, the escrowed insurance and property taxes can vary...
Philip Seely
Feb 145 min read


Cracking the Code: Unraveling the Mystery of Mortgage Rates
Figures show the average consumer saves an average of $9,400 going through a broker in wholesale versus retail – even higher for minorities
Philip Seely
Jan 244 min read


Unlocking the Benefits: Why Homebuyers Choose Mortgage Brokers Over Retail Lenders
From tailored advice to a broad selection of loan options, here are the key reasons savvy homebuyers are choosing mortgage brokers.
Philip Seely
Dec 20, 20244 min read


The Ultimate Guide to Home Loan Pre-Approval
In today’s competitive housing market, having a pre-approval letter can significantly strengthen your offer when bidding on a home.
Philip Seely
Dec 6, 20245 min read


Down Payment Assistance Programs Offering Up to $120,000 in Funds for Veterans and Service Members
DPR found there are 61 programs offering up to $120,000 in assistance specifically developed to help them build, buy, or renovate.
Philip Seely
Feb 22, 20243 min read


Buy Now Versus Waiting Things Out
How to explore homebuying options by comparing the financial benefits of buying a house now against the cost associated with waiting to...
Philip Seely
Jan 29, 20243 min read


Loan Decisions and How to Increase Your Approval Odds
As your business grows, you may want to pursue opportunities that require more funds than you have on hand. If you are considering...
Philip Seely
Nov 14, 20235 min read


Homebuyer Assistance Programs
Wow! Florida is really stepping up its game when it comes to homebuyer assistance programs. With a staggering 170 programs available,...
Philip Seely
Aug 7, 20231 min read


Paths to Homeownership for Veterans and Active Military
Affordable homeownership programs are on the rise, and many options specifically benefit active and veteran military members and their...
Philip Seely
Jul 4, 20233 min read


National Homeownership Month
HOW DOWN PAYMENT ASSISTANCE PUT THE DREAM OF HOMEOWNERSHIP IN WOMAN'S REACH For National Homeownership Month, we're celebrating Jackie's...
Philip Seely
Jul 1, 20232 min read


More Homebuyer Down Payment Assistance Programs
83.5% of all homebuyer assistance programs are actively funded and available. Search for down payment assistance.
Philip Seely
May 3, 20232 min read


They Say it's in the Numbers
The Home Mortgage Disclosure Act (HMDA) requires many financial institutions to maintain, report, and publicly disclose loan-level...
Philip Seely
Oct 19, 20223 min read


Surprise, Surprise, Surprise! Home Sales Surge in May
As an independent Mortgage Broker, we are asked everyday what the housing market is doing. Unfortunately, our crystal ball doesn't look...
Philip Seely
Jun 24, 20223 min read


Understanding Your Credit Score
Once you get your credit report, you will want to review it carefully. Ordering it is not enough—you must read it. Credit reports may...
Philip Seely
Jun 9, 20223 min read


Career With Benefits
If Covid-19 didn't teach you how to have a side hustle, nothing else probably will. When we started PHILANYA, we wanted to make a...
Philip Seely
Apr 3, 20223 min read


Lost Your Job? Looking For Something New?
An MLO can be a lending company, mortgage broker or loan officer.
Philip Seely
Feb 17, 20222 min read
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