Can You Use Your Spouse’s VA Loan Eligibility and Your Income to Qualify? Here’s What You Should Know

Mark Wagner

Published on: 06/01/2025

One of the many great benefits of VA loans is that they offer competitive interest rates, no down payment, and no private mortgage insurance (PMI) requirements. But what if only one spouse is a veteran or active service member—can the non-military spouse use their income to help qualify for a VA loan while taking advantage of the veteran’s VA benefits? Here’s everything you need to know, including what happens if you’re not married but want to purchase a home together.

Mortgage

Does a Mortgage Credit Inquiry Hurt My Credit Score? What You Should Know

Mark Wagner

Published on: 06/01/2025

Sure! Here's a blog draft for your review: SEO Title: Does a Mortgage Credit Inquiry Hurt My Credit Score? What You Should Know When you're in the process of buying a home or refinancing your mortgage, it's common to wonder whether having a lender run your credit will negatively impact your credit score. After all, your credit score is a key factor in determining your eligibility for the best interest rates. Let’s explore how credit inquiries work in the context of mortgage applications and whether multiple credit checks could harm your score.

Mortgage

If I Close on My Loan in November, Is My First Payment in 2025?

Mark Wagner

Published on: 03/12/2024

Closing on a home loan is an exciting milestone, but it can also bring a lot of questions—especially about your first mortgage payment. Many borrowers wonder: If I close on my loan in November, will my first payment be due in 2025? Understanding how mortgage payments are scheduled can help you plan your finances and avoid surprises. Let’s break down how it works and what you can expect after closing in November.

Mortgage

Is the Holiday Season a Good Time to Buy a Home? Here’s Why It Might Be the Best Opportunity

Mark Wagner

Published on: 03/12/2024

The holiday season is typically associated with gift-giving, family gatherings, and festive cheer—but did you know it could also be the perfect time to buy a home? Many prospective buyers hesitate during the holidays, thinking it’s a slow period for real estate. While it’s true that the market tends to cool down during the winter months, this slower pace can work to your advantage. Here’s why shopping for a home during the holidays might be the smartest move you make all year.

Mortgage