Hero Home Programs

Guide to Refinancing or Reamortizing a Loan

When homeowners look to reduce their monthly mortgage payment or plan to pay off a mortgage early, many turn to refinancing. While refinancing a mortgage does allow homeowners to take advantage of lower interest rates, not all borrowers are able to qualify for a mortgage refinance loan. If this is the case, a lesser-known option …

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Guide to Refinancing or Reamortizing a Loan

Home Loans for Teachers With Bad Credit

As a teacher, your years are often filled with many nights of sacrifice while you grade papers, as well as financial sacrifices as you purchase classroom supplies necessary for you to provide the best education possible to your children. These sacrifices can often leave you with credit that leaves a lot to be desired, making …

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Home Loans for Teachers with Bad Credit

Caduceus and the Rod of Asclepius: Meaning Behind the Medical Symbols

As a physician or healthcare worker, chances are you are familiar with one, if not both of these symbols. The caduceus and the Rod of Asclepius have both become known as symbols of medicine but what is the origin of these medical symbols and where did these medical symbols come from? Is one symbol a …

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Caduceus and the Rod of Asclepius: Meaning Behind the Medical Symbols

Do Federal Employees Get Special Mortgage Rates?

As a government employee, you work to provide for your community, whether local or national. While working as a federal employee can be a rewarding career, it can also bring financial challenges when it comes to buying a home. Income limitations and frequent moves can make homeownership seem out of reach. The good news is …

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Do Federal Employees Get Special Mortgage Rates?

Prequalified or Preapproved Mortgage: Which Is Better?

If you are looking to buy your first home, chances are you have heard terms like “prequalification” and “preapproval,” but what do these terms really mean? What is the difference between prequalified and preapproved and what does it mean when you are shopping for your new home? Here we take a closer look at each …

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Prequalified or Preapproved Mortgage: Which is Better?

What’s the Primary Benefit of Being Prequalified for a Mortgage?

As you begin looking for your dream home, chances are you will have a real estate agent ask if you are prequalified for a mortgage. While you may not think about financing before even looking for a home, a mortgage prequalification can be a powerful tool to arm yourself with before you even take that …

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What’s the Primary Benefit of Being Prequalified for a Mortgage

8 Things You Should Know About Physician Mortgage and Its Rates

As a physician, dentist, or other licensed healthcare professional, buying a home can be a challenge despite being a high-income prospect. A high debt-to-income ratio due to school loans often becomes a roadblock when it comes to obtaining a home mortgage. For this reason, many lenders offer physician mortgage loans that often have fewer qualification …

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Are Physician Loans Worth It?

When buying a home, the average home buyer takes out a mortgage that typically requires good credit, a low debt-to-income ratio, and a down payment of around 20%. Unfortunately, as new physicians and despite high wages, many doctors are unable to meet the mortgage requirements due to high debt-to-income ratios. Because of this, many lenders …

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Are Physician Loans Worth It?

First-Time Home Buyer Loans with Zero Down Payment

If you are considering buying your first home, chances are you have been wondering how much money you will need as a down payment and how you will be able to save that money. For many first-time home buyers, this down payment often creates an obstacle to home ownership. But what if there was a …

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First-Time Home Buyer Loans with Zero Down Payment

Can You Refinance a Jumbo Loan?

Jumbo mortgages are a great solution when you are purchasing a high-value home where the necessary financing exceeds the loan limits of conforming mortgages. In contrast to conforming mortgages that are often purchased by government agencies like Freddie Mac and Fannie Mae, jumbo loans are typically maintained directly by the lender and create a greater …

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Can you Refinance a Jumbo Loan?

How Do I Qualify for an FHA Home Improvement Loan?

If your home is in need of repairs to make it more livable, such as improvements for energy efficiency or a new, more modern bathroom or kitchen, an FHA Title 1 loan is one option to help finance those repairs. While many borrowers opt for a home equity loan, an FHA Title 1 loan offers …

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How Do I Qualify for an FHA Home Improvement Loan

How to Get a Home Loan That Includes Renovation Costs?

Whether you have an existing home that needs a new kitchen, or you have an eye on a new home with a low asking price but a lot of necessary home renovations before it is really livable, a home renovation loan can allow you to make the necessary home improvements without the cash upfront. These …

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How to Get a Home Loan That Includes Renovation Costs
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