Guides
The parts nobody explains properly.
Written for people doing this for the first time, and for anyone who has been given confident advice that turned out to be wrong.
How much do you actually need for a down payment?
Less than you think, and the 20% figure is a myth with a specific origin. What each program requires, and when putting less down is the better decision.
2 min read
Building US credit from zero
If you arrived recently and have no FICO score, this is a four-to-six month problem with a mechanical solution. Here is exactly what to do, in order.
2 min read
Every document you'll be asked for
The full list, why each one is needed, and the three things people get wrong that add a week to closing.
2 min read
Using gift money from family — including from overseas
Parents helping with the down payment is allowed and routine. The rules are about documentation, not permission, and the overseas case has two extra steps.
3 min read
Looking for a term rather than a topic? The glossary explains the vocabulary — LTV, escrow, PMI, points, and the rest of it.
Still not sure where you stand?
Seven questions, no credit pull, and a real number at the end.