RJ Colosimo - Home Loan Specialist

10/17/2026

08/27/2026

US Bad Credit Home Loan Paths
Navigating a home purchase with less-than-perfect credit isn’t easy, but it’s absolutely possible—and there’s more than one path forward. The latest numbers show the average US mortgage holder has a credit score of 711, with about two-thirds falling between 661 and 850. Conventional lenders typically look for scores around 620, but government-backed loans can open doors even if you’re below that threshold—especially if you’re able to bring more cash to the table.

Some programs allow for low down payments if your credit is strong, but if your score is on the lower side, expect to need about 10% down. VA loans, for those who qualify, can sometimes mean no down payment at all. If you want to put your best foot forward, focus on saving for a larger down payment, keeping your debt-to-income ratio near 36%, reviewing your credit reports, managing credit card balances, and making on-time payments.

In my experience helping buyers and investors structure smart loan strategies, it always pays to compare a few preapprovals within a 14-day window—and to walk away if the monthly payment exceeds about 30% of your income or if the terms would stretch your savings too thin. Clarity and preparation are your best allies in turning homeownership into a reality, even when credit is a challenge.

08/26/2026

US Jumbo Mortgage Options Explained
Jumbo mortgages are a powerful tool when your property goals push past standard loan limits. Over the years, I’ve seen these loans open doors for clients aiming to finance higher-priced homes, investment properties, and unique real estate opportunities that don’t fit the usual conforming box. Because jumbo loans aren’t easily sold off by lenders, the bar is set higher: you’ll need strong credit, a sizable down payment, and healthy cash reserves. But with the right financial profile, you may find that jumbo rates can rival — or even outperform — conventional options. I always recommend looking at a range of banks, credit unions, and mortgage brokers to get the best combination of rate and terms. With my background in underwriting and cash-flow analysis, I focus on matching each client’s strategy to their property goals and today’s market realities, making sure the financing fits the bigger financial picture.

08/25/2026

Commercial Real Estate Loan Guide
Commercial real estate financing is a different animal compared to residential lending, and it pays to understand the landscape before you dive in. These loans typically require a down payment of at least 25% and a solid credit profile. The terms are shorter—often 5 to 10 years—with amortizations that can stretch up to 25 years, and you’ll encounter higher rates and stricter qualification criteria than with standard home mortgages.

If you’re evaluating options, SBA 504 loans are designed with real estate acquisition in mind, while SBA 7(a) loans are generally less tailored for property needs. My years in commercial underwriting taught me the importance of getting the numbers right up front, so I always encourage clients and partners to take a numbers-first approach when structuring their investment strategies. Clear advice and real-world experience can take some of the stress out of these more complex transactions, helping you stay focused on growing your portfolio and building long-term wealth.

08/24/2026

U.S. Condo Loans: Tougher Rules, Higher HOA Reserves

08/23/2026

USDA loans: How to qualify in 2026
Dreaming of homeownership but worried about the down payment? 🏡 USDA loans could be your answer—offering 0% down and rates as low as 1% for eligible rural buyers! Curious if you qualify for 2026? Find out more! 💡✨
https://www.housing-trends.com/agent-news/rj-colosimo/1825621-USDA-loans%3A-How-to-qualify-in-2026

08/22/2026

The new housing bill won't provide fast relief. These mortgage tools can help you right now
Struggling to find an affordable home? 🏡 While a bipartisan bill promises long-term fixes, there are ways to save right now—like low-rate lenders and FHA loans! Ready to make your move? 💡 What’s your top homebuying tip? 🤔
https://www.housing-trends.com/agent-news/rj-colosimo/1806460-The-new-housing-bill-won%27t-provide-fast-relief.-These-mortga

08/21/2026

Commercial mortgage originations climb 16% in the second quarter
Did you know commercial and multifamily mortgage originations jumped 16% in Q2 2026? 🏢📈 Retail and office lending led the way, with office financing making a strong comeback! Curious what’s driving this growth? Let’s talk!
https://www.housing-trends.com/agent-news/rj-colosimo/1880679-Commercial-mortgage-originations-climb-16%25-in-the-second-qua

08/20/2026

US Purchase Rates Lower Than Refi