Mortgage guidance / Ed Parcaut
Your service earned a benefit worth understanding properly before you use it.
A VA loan is its own program with its own rules, and most of what people believe about it comes secondhand. The questions worth answering early are whether you have full entitlement, what the funding fee looks like in your situation, and how a seller reads a VA offer.
Nothing here is an approval or a rate quote. It is the groundwork so the conversation with a lender starts from the right place.
Start here
A written walkthrough of the benefit, step by step.
Articles in this collection
Your down payment is only part of the money needed to buy a home. Learn how closing fees, prepaid bills, and account deposits fit together, which costs may be flexible, and how to compare your options without getting lost in paperwork.
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Your mortgage application is not the finish line for your credit. Learn which financial moves can complicate closing, how to handle unavoidable changes, and when to talk with your lender before taking action.
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VA loan misinformation can keep veterans from exploring a benefit they earned. Get clear answers about down payments, credit, eligibility, and reusing your benefit, plus practical steps to prepare for a home purchase.
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A small savings account does not have to end your homebuying plans. Explore low-down-payment loans, zero-down options, down payment assistance, and the monthly costs to compare before choosing a mortgage.
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Your down payment options may be broader than you think. Learn how assistance, low-down-payment loans and a closer look at your budget can help you have a more useful conversation with a trusted lender.
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You do not always need 20% down to buy a home. Learn what the original down payment numbers mean, which loan options may help, and what to ask before deciding whether to keep saving or explore buying.
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Saving for a down payment can feel like the biggest hurdle to buying a home. Explore the loan options and assistance resources worth asking about, whether you are buying your first home or have owned one before.
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A 20% down payment is not always required to buy a home. Learn what the original research says, explore low and no down payment options, and build a savings plan around the loan and assistance programs you may qualify for.
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Buying a home starts with a practical plan for your down payment, closing costs, and credit. Learn which assumptions to question, what loan options to explore, and how to prepare without draining your savings.
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Discover the four key factors that determine your mortgage rate, including credit score, loan type, and more. Learn how to optimize your mortgage options with expert insights from Ed Parcaut.
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It’s clear the 2022 housing market has been defined by rising mortgage rates. With rates on the rise, it’s also become more costly to purchase a home. According to the National Association of Realtors (NAR): “Compared to one year ago, the monthly mortgage payment rose to $1,944 from $1,265, an increase of 53.7%.” If yo
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Explore how down payment assistance programs can make homeownership more accessible. Learn from Ed Parcaut, a seasoned mortgage broker, author, and talk radio host.
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This is education, not a loan approval or a rate quote. Your own options depend on your situation.
Talk it through
Tell me where you are and what you are weighing up. You get a straight answer, not a sales call.