mortgage qualifications Archives | Maor Max Lavi

If you’ve been waiting for the stars to align in the real estate world, a buyers market in 2025 might be the sign you’ve been looking for. With lower prices, more options, and better negotiating power, it’s the perfect time to trade your rent check for a mortgage.
Don’t wait too long, though—real estate markets are like fashion trends. One minute it’s all buyers market, and the next, you’re competing for a studio apartment with avocado-green appliances.

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.

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.

Dreaming of owning a home but your savings aren’t quite there yet? The exciting news is you might be able to get a house with just 1% down. Yes, you heard that right!