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FHA Compensating Factors: Strengthening Your Loan Application
FHA loans provide accessible homeownership opportunities through lower down payment requirements and flexible credit standards. However, some applicants fall just short of standard qualification crite Dec 30, 2025
Is a 15-Year Mortgage a Good Choice?
These shorter loans come with higher monthly payments but much lower interest rates. This might save you a boat-load of money, especially if you are already a homeowner, trading up with lots of equity Dec 26, 2025
Merry Christmas
As the holiday season fills our hearts with joy and our homes with warmth, we want to take a moment to wish you and your family a very Merry Christmas! From all of us at Universal Mortgage, LLC, thank Dec 23, 2025
VA Home Loans: Benefits, Eligibility, and How to Apply
VA home loans provide valuable benefits for veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs, these loans offer advantages that Dec 18, 2025
Using a HELOC to Pay Off Credit Card Debt: Is It Right for You?
Credit card debt affects millions of Americans, with high interest rates making it difficult to make meaningful progress toward becoming debt-free. A Home Equity Line of Credit (HELOC) offers one pote Dec 16, 2025