Government-backed loans
FHA Loans in 2026: Requirements, Limits, MIP and Who Qualifies
What you need for an FHA loan in 2026: 580 and 500 credit tiers, 3.5% down, MIP costs, county loan limits, DTI rules and who no longer qualifies.
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Government-backed loans
VA Home Loan Eligibility in 2026: Service Rules, Funding Fee and Limits
Who qualifies for a VA home loan in 2026: service rules, the COE, no limit with full entitlement, the funding fee table, exemptions and residual income.
Government-backed loans
USDA Loan Requirements in 2026: Eligible Areas, Income Limits and Fees
USDA guaranteed loan rules for 2026: eligible rural areas, income limits, guarantee fees, credit and debt ratios, property rules and direct loans.
Conventional and jumbo loans
Conventional Loan Requirements in 2026: Credit, Down Payment, Limits and PMI
What a conventional loan requires in 2026: the $832,750 conforming limit, credit score rules, DTI caps, 3% down options like HomeReady, PMI and reserves.
Conventional and jumbo loans
Jumbo Loan Requirements in 2026: Limits, Down Payment, Reserves and Credit
When a mortgage becomes a jumbo loan in 2026, and what lenders typically ask for: down payment, credit, cash reserves, documents and appraisals.
Non-QM and self-employed
Non-QM Loans Explained: Types, Costs, Risks and Your Protections
What non-QM loans are, how the CFPB Ability-to-Repay rule applies, the main types (bank statement, DSCR, asset depletion, foreign national) and risks.
Non-QM and self-employed
Bank Statement Loans: How Self-Employed Borrowers Qualify Without Tax Returns
How a bank statement loan works for self-employed buyers: 12 vs 24 months, personal vs business statements, expense factors, documents, costs, red flags.
First-time buyers
Mortgage Requirements by Loan Type: Credit, Down Payment and DTI in 2026
2026 mortgage requirements: credit score, down payment, DTI, reserves, documents and residency for FHA, VA, USDA, conventional, jumbo and ITIN loans.