Mortgage Archives | Maor Max Lavi - Superior Mortgage Lending

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.

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.

Finding the right mortgage rate isn’t rocket science, but it does take some savvy (and maybe a little luck). Keep an eye on the market, know your financial profile, and don’t be afraid to shop around. And if you still feel overwhelmed, give Maor Max Lavi a call—he’s got the expertise to help you navigate the mortgage maze and lock in a rate you can brag about at dinner parties.

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!

In simple terms, the higher your credit score, the better the deal you’ll get on your mortgage. Mortgage lenders look at your score to figure out how “risky” you are as a borrower. The logic? If your credit score is solid, you’re more likely to pay back the loan, so they’ll reward you with a lower interest rate. But if your score isn’t great, they figure you’re a bit more of a gamble, so they’ll hedge their bets by offering you a higher interest rate.

For commission based income earners, getting approved for a mortgage can be tricky, but it’s far from impossible. With the right approach and preparation, you can show lenders that your income is as reliable as any salaried employee’s, even if it’s not consistent every month. Here’s how to improve your chances of mortgage approval when working with commission income.

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.

So, you’re ready to dive into the thrilling world of mortgage pre-approval, huh? Well, hold onto your calculators because we’re about to break down the steps you need to take to get pre approved for a mortgage—yes, it’s that delightful paperwork extravaganza everyone dreams about.