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203 articles · Original publication dates preserved. Clear filters
CalVet Income Limits: VA Loan Alternatives for California Veterans
Learn how CalVet funding rules can affect income eligibility and how VA and other mortgage alternatives may help California veterans.
Originally published 2026-10-22
Read article →VA LoansThe CalVet 25-Year Rule: VA Loan Options After the Window
Understand the CalVet 25-year timing rule and explore federal VA and other mortgage options for California veterans.
Originally published 2026-10-22
Read article →VA LoansCalVet vs. VA Home Loans: What California Veterans Should Compare
Compare CalVet and federal VA home loans, including eligibility, funding, ownership structure, costs, and alternatives.
Originally published 2026-10-22
Read article →Homeownership and Real EstateDSCR Loans: Complete Guide for Real Estate Investors
DSCR loans allow real estate investors to qualify using rental income instead of personal income. Learn requirements, rates, and benefits.
Originally published 2026-06-08
Read article →Home Equity and Debt ConsolidationHELOC vs HELOAN: Which Home Equity Option Is Best for You?
Compare HELOC vs HELOAN options, rates, payments, and benefits. Learn which home equity solution is best for your financial goals.
Originally published 2026-06-04
Read article →Mortgage Loan ProgramsUSDA Loans Explained: How to Buy a Home With Zero Down Payment
Learn how USDA loans work, who qualifies, income limits, property requirements, and how to buy a home with zero down payment.
Originally published 2026-06-03
Read article →Homeownership and Real EstateVantageScore vs. FICO: Which Score Matters for a Mortgage?
Compare VantageScore 4.0, Classic FICO and FICO 10T, why app scores differ, and the 2026 mortgage changes. Watch Aaron Clowes explain.
Originally published 2026-06-02
Read article →First-Time HomebuyersThe Ugly Truth About Down Payment Assistance Programs
Learn the ugly truth about down payment assistance programs, including higher rates, hidden fees, and refinancing risks.
Originally published 2026-05-27
Read article →Homeownership and Real EstateSkip Two Mortgage Payments? Here’s the Truth
Think you can skip two mortgage payments when refinancing? Learn what’s really happening and how it impacts your loan and costs.
Originally published 2026-05-06
Read article →Homeownership and Real EstateIs Paying Mortgage Points a Mistake?
Thinking of paying mortgage points to get a lower rate? Read this first because you might end up overpaying!
Originally published 2026-05-05
Read article →First-Time HomebuyersMortgage Closing Cost Tricks: 7 Dirty Tactics Lenders Use
Mortgage closing cost tricks can make loan quotes look cheaper than they are. Discover how to compare Loan Estimates and avoid hidden fees.
Originally published 2026-04-25
Read article →Homeownership and Real EstateDoctor Mortgage Program | Buy With 0% Down and No PMI
Explore doctor mortgage programs for physicians, dentists, pharmacists, and residents. Compare 0% down options, no PMI benefits.
Originally published 2026-04-23
Read article →Educational archive—not current offers. Rates, program rules and limits in older articles may have changed.
Aaron Clowes
Air Force veteran. More than two decades in mortgage lending. Clear explanations, practical comparisons and a conversation about what works for you.
NMLS #200900 · CA DRE #02103379
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