mortgage lender Archives | Maor Max Lavi - Superior Mortgage Lending

The FHA loan limits vary by county, so you’ll want to check the specifics for your area. Even within the same state, limits can range widely. The updated 2025 FHA loan limits mean you can borrow more without needing to scrape together a 5%-20% down payment. Instead, you can get in the door with as little as 3.5%. Now that’s a deal.

A low rate is only as good as the lender offering it. Look for a lender or mortgage broker with a strong reputation, excellent communication, and a proven ability to close deals. Remember, the real value lies in the total cost of the loan and the ability to get the job done on time.

Mortgage trends this year are shaping up to be a wild mix of the expected, the hopeful, and the “why is this happening?” Whether you’re buying your first home, refinancing, or just mortgage-curious, staying informed is your best bet. Here’s what you can expect.

Mortgage Discount Points - are they really worth your hard earned cash?

So, you’re knee-deep in mortgage paperwork, and suddenly your lender starts talking about “mortgage discount points” – like it’s a magical option to save big on interest rates. But what are these points, and more importantly, are they really worth your hard-earned cash?

When it comes to the battle between 15 year vs 30 year mortgage, the question boils down to one thing: do you want to pay off your mortgage faster with higher monthly payments, or stretch it out over a longer period with smaller monthly payments? There are definite perks to each option, and the choice you make can impact not just your finances but also your lifestyle. So, here’s a quick breakdown to help you decide which one best suits you!

At the end of the day, the best mortgage lender is the one who meets your needs, offers you a fair deal, and doesn’t make the mortgage process feel like pulling teeth. While there might not be a one-size-fits-all lender out there, with a bit of research and some patience, you can find the best mortgage lender for you.

If you own investment properties, you might be able to use them to help you qualify for your next home loan. Leveraging rental income can improve your debt-to-income (DTI) ratio and show lenders that you have the income stability needed for approval. However, it’s important to understand how to properly document your rental income to make the process as smooth as possible.

Well, well, well… a mortgage rate cut, and suddenly everyone’s a real estate investor again. It seems like every few years, the mortgage industry turns into a carnival ride. You buckle up for what you think will be a pleasant journey through homeownership, and then BOOM! The rates go wild, and you’re either soaring to new highs or plummeting to new lows. As of right now, we’re in the middle of another one of those exciting dives – yes, current mortgage rates are dropping, and it’s time to decide if you want to cash in or sit back and enjoy the show.

First-Time Homebuyer Programs: What You Need to Know. So, you’re ready to buy your first home, but your wallet isn’t quite as enthusiastic. Don’t worry, there are programs designed specifically for people like you! First-time homebuyer programs can make the process a lot less painful, and we’re here to break it all down for you. Let’s dive in.

Interest Rates and Inflation Impact the Housing Market and Labor Costs

Let’s break down the love-hate relationship between interest rates and inflation. It’s a big deal for anyone who cares about money, from the Federal Reserve to the average person looking at mortgage rates. Here’s how these two frenemies affect each other and why central banks keep such a close eye on them.