Loans with Forbes

Loans with Forbes 🏡 Your mortgage advisor | Lee County, FL 🇺🇸
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08/27/2026

Buying a home? A common guideline is to keep your mortgage payment at or below 30% of your gross income. Exceeding this can lead to being 'house poor,' struggling to afford daily life, subscriptions, or utilities after your mortgage is paid. It's a lesson learned the hard way by many, including myself.

08/26/2026

Your credit score is key to getting a mortgage. While FHA loans accept a 580 minimum, conventional loans need a 620+. Higher scores mean better rates and less risk for lenders. Prioritize on-time payments and avoid unnecessary debt to improve your chances.

08/25/2026

Understanding mortgage rates is key! One borrower prioritized a long-term low rate for future savings, while another used a higher rate to secure lender credits and close on their home. Context is everything.

08/24/2026

Home equity is essentially your home's value minus what you owe on your mortgage. If your home is worth $500,000 and you owe $300,000, your equity is $200,000 – that's your net worth tied up in your home.

08/23/2026

Paying your bills on time is crucial for your credit history, making up 35% of your credit score. Whether it's the minimum or full balance, always ensure payments are made promptly.

08/22/2026

Discover how forgivable down payment assistance programs work! Stay in your home for 3-5 years, and the loan is forgiven – like free money for meeting a simple requirement.

08/21/2026

Getting pre-approved early is key. Know your exact budget and practice financial discipline to maintain your home. Don't try to time the market; focus on your own readiness.

08/20/2026

A mortgage is simply a loan to buy a home, much like a car loan or credit card debt. It's typically repaid over 30 years, making homeownership accessible and faster than saving the full amount.

08/19/2026

Planning to buy a home? If you've got cash saved, put it in a checking or savings account. Authorities need to 'season' large sums for at least 30-60 days to ensure it's not from illegal activities. Suddenly showing up with mattress money makes it unusable for your purchase.

08/18/2026

You might think a 3% mortgage rate is always the best choice. But what if the 8% rate payment is only $1,000, while the 3% rate payment is $10,000? The context of the loan matters more than just the rate itself.

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