🧠 The Loan Nerd’s Smart Tips to Boost Your Credit Score Before Buying a Home

Before you buy a home, one of the smartest things you can do is optimize your credit score. A higher score means better loan options, lower interest rates, and more financial flexibility. Here’s how you can get started: 1. ✅ Keep Credit Utilization Low Your credit utilization ratio—the amount of credit you’re using compared to…

🔑 What to Do After You Close On Your New Home Congratulations on your new home! 🎉 Closing day is a huge milestone—but now it’s time to transition smoothly, protect your investment, and stay financially fit. At The Loan Nerd, we’re here for you long after the ink dries. Here are our top tips for…

If you have an aging parent or another dependent family member who needs a safe, stable home but doesn’t have the income or credit to qualify for a mortgage, you may feel like your only option is to purchase a property as an investment. Unfortunately, investment property loans often come with higher interest rates, larger…

With owner-occupied first mortgage loan rates now below 6%, there has never been a better time to consider refinancing your home loan. Whether you’re looking to lower your monthly payments, reduce your interest rate, or tap into your home equity, refinancing can provide significant financial benefits. At The Loan Nerd, we specialize in helping homeowners…

For families looking to provide housing for aging parents or disabled adult children, homeownership can sometimes feel like an unattainable dream. However, Fannie Mae’s Family Opportunity Mortgage is a specialized loan product designed to help families secure housing for their loved ones under favorable terms. This mortgage product opens doors for families who need to…