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Home Buying
Buying a home is the biggest financial move most people ever make, and the process rewards preparation. This hub walks you through getting pre-approved, understanding down payment assistance, making a strong offer, and everything that happens on the way to closing day. Start here if you are planning your first purchase or your next one.
All Home Buying articles & guides
Buying a House After Bankruptcy: Real Waiting Periods by Loan Type
FHA and VA require 2 years after Chapter 7, USDA 3, conventional 4. Chapter 13 can qualify after 12 months of payments, and one program works during bankruptcy.
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Buying After Foreclosure or Short Sale: The Real Timelines
After foreclosure, VA requires 2 years, FHA and USDA 3, conventional 7. Short sales are shorter, and some paths skip the waiting period entirely.
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How Much House Can I Afford on a $75k Salary?
On a $75k salary you can generally afford a $300k-$370k home with 20% down at 6.25%. Your other debts affect the number as much as your income.
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How Much House Can I Afford on a $100k Salary?
On a $100k salary you can generally afford a $421k-$515k home with 20% down at 6.25%. Your other debts move the number as much as your income.
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How Much House Can I Afford on a $150k Salary?
On a $150k salary you can generally afford a $664k-$806k home with 20% down at 6.25%. At the top of the range, watch the jumbo loan line.
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What Is Rent-to-Own and How Does It Work?
Rent-to-own lets you rent a home with the option to buy later, with part of your rent going toward the purchase. Learn how it works and the real risks.
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