Author: Catherine
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Who Qualifies?
Although many people aspire to own a home, not every loan applicant is prepared for the responsibility of a mortgage. While it would be ideal for the lenders to approve every application—since approvals generate revenue—doing so is neither possible nor prudent when applicants are unqualified. Our advocacy stands around this theme—building relationships—finding the right partner.… Read more
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Mortgage Scoring: VantageScore 4.0 & FICO
A powerful change just reshaped the mortgage landscape—and it could make homeownership more accessible for millions of Americans. How can you benefit from this change in your goal of homeownership? In July 2025, the Federal Housing Finance Agency (FHFA) announced that Fannie Mae and Freddie Mac will now accept the VantageScore 4.0 credit scoring model… Read more
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How Co-homeownership Changes Affordability
A niche hack that is gaining popularity to solve home ownership inequality. I’m not making this up. There’s some real stats available. It’s just a matter of time, when co-borrowing or co-buying a home would be the norm. Literally, I can’t wait for the time, when we become a household name—mentioned at dinner tables or… Read more
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History of Mortgage
Sometimes, it feels like the only way to beat the housing market is to start paying your mortgage at one year old. Imagine you’re that baby—barely walking, but already locking in a 30-year fixed. By the time you hit your 30th birthday, your home would be free and clear, and instead of blowing out birthday… Read more