Mortgage Guides, Tips & Market Insights

FHA vs. Conventional Loan: Which Is Better for You in 2026?

FHA vs. Conventional Loan: Which Is Better for You in 2026? Quick Answer: For most DMV homebuyers in 2026, a conventional loan is better if you have a credit score of 680+ and at least 5% down — you'll save thousands by avoiding FHA's lifetime mortgage insurance. An FHA loan is better if your credit

How to Get Pre-Approved for a Mortgage: Step-by-Step Guide for 2026

How to Get Pre-Approved for a Mortgage: Step-by-Step Guide for 2026 Getting pre-approved for a mortgage is the single most important first step in buying a home in 2026. In the competitive DMV market — where homes in Loudoun, Fairfax, Arlington, and Montgomery County routinely receive multiple offer

Maryland SmartBuy Program: Get Up to $40,000 Toward Student Loan Debt When You Buy a Home

Maryland SmartBuy Program: Get Up to $40,000 Toward Your Student Loan Debt When You Buy a Home If you have student loan debt and feel like homeownership is just out of reach, Maryland's SmartBuy program may be the breakthrough you've been waiting for. The Maryland SmartBuy program is one of the only

DC's HPAP Program Explained: Up to $202,000 in Down Payment Assistance

DC's HPAP Program Explained: Up to $202,000 in Homebuyer Assistance Washington DC's Home Purchase Assistance Program — better known as HPAP — is one of the most powerful homebuyer assistance programs in the entire country. For qualified first-time buyers in DC, HPAP can provide up to $202,000 in dow