Interested in applying to get your condo development approved for FHA financing? Here’s a quick overview of the documents necessary to submit your application. Read the rest of this entry »

One great benefit that DOD provides to military families is the MyCAA program, which subsidizes certain types of career training for eligible military spouses; Ethical Homes is proud to participate in the program, helping interested military spouses to become licensed real estate agents and/or mortgage loan originators. Read the rest of this entry »

Many lenders restrict financing on properties that were previously sold within the last 6 months and/or cap the amount of profit that a seller can make on sales during that period; at Ethical Homes, we can provide financing for subsequent sales (aka “flips”) with no waiting period, and with no cap on the difference in price between the previous sale and the current one. Read the rest of this entry »

We’re trying out a new (hopefully regular) feature here at Ethical Homes: a Bargain Buy Spotlight on a local property that could be of huge value to the right buyer. Read the rest of this entry »

Many lenders have limits on how soon after a property is taken off the market it can be refinanced; at Ethical Homes, we can refinance properties as soon as 1 day after they are removed from the market. Read the rest of this entry »

Most lenders are currently focusing on owner-occupied properties, and aren’t giving loans at all to investors who already have mortgages (with any lender) on 4 or more properties; Ethical Homes, however, can still arrange for financing for investors with 10 or more financed properties. Read the rest of this entry »

Don’t want to have to print out all of the disclosures and application docs for your loan just so that you can sign them, when all you’re going to do with the signed documents is either fax them back to us or scan them and upload them back to us? Read the rest of this entry »

During the course of processing of your loan, you will be asked to submit many documents to us; please follow these instructions to make sure that your documents are processed as quickly as possible. Read the rest of this entry »

Ethical Homes has a wide variety of lending options available for borrowers with low FICO scores. Read the rest of this entry »

For borrowers who currently have FHA mortgages, using an FHA Streamline Refinance can provide significant savings, and can often also allow minimal documentation and looser underwriting guidelines, which in some cases can allow refinances for borrowers/properties that otherwise might not be eligible for refinances. Read the rest of this entry »