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50 articles · Original publication dates preserved. Clear filters
CalVet 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 →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 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 →Mortgage Rates and Market TrendsWhen Will Rates Drop? (The Truth)
When will mortgage rates drop? Learn why waiting to buy could cost you thousands and how to make the smartest move in today’s market.
Originally published 2026-04-09
Read article →RefinancingRefinance Now or Regret It Later
Refinance now or miss out. Rates can drop for just 24–72 hours—learn how to lock your mortgage at the right time.
Originally published 2026-04-04
Read article →Homeownership and Real EstateBest Loan Programs for Folsom CA
Discover the best loan programs for Folsom, CA! Find the perfect mortgage, compare FHA, VA, USDA, and jumbo loans. 🚀
Originally published 2025-03-07
Read article →California Housing and Mortgage ProgramsRenting vs. Buying a Home in Sacramento
Renting vs. buying a 3-bed, 2-bath home in Sacramento—compare costs, equity, and long-term benefits to make the best financial choice! 🏡💰
Originally published 2025-03-03
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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