BLOGS

FHA Loans in Southeast Los Angeles County: Complete Buyer Guide

Reviewed August 27, 2026 Quick answer: FHA loans are mortgages made by approved lenders and insured by the Federal Housing Administration. They are commonly used by buyers who need a lower down payment or more flexible qualification than some conventional programs offer. The loan still requires lend

Could You Take Your 3% Mortgage Rate With You? What Homeowners Should Know About the MOVE Act

Quick answer: Not yet, and maybe not even under this bill. The MOVE Act is a proposed law in Congress that would eventually require Fannie Mae and Freddie Mac to buy "portable" mortgages, ones where you could take your rate, balance, and terms to your next house. It's not law. And even if it passes,

What Happens If the Home You're Buying Doesn't Appraise?

Quick answer: If the appraisal comes in lower than your offer, your lender won't loan you more than that appraised value. You've got four options: pay the difference in cash, renegotiate the price with the seller, challenge the appraisal, or walk away and keep your earnest money (if you have an appr