First American Mortgage

08/21/2026

Your debt-to-income (DTI) ratio compares your monthly debts to your gross monthly income. It’s one of the key factors lenders review when determining how much home you can afford.

Understanding your DTI can help you prepare for the mortgage process

08/19/2026

UFMIP (Upfront Mortgage Insurance Premium) is the upfront FHA mortgage insurance fee paid at closing or financed into the loan.

It’s one of the unique costs that comes with FHA financing — and understanding it can help buyers better prepare for their home purchase!

08/18/2026

New Blog Post!

Self-employed and thinking about buying a home? 🏡

Understanding how lenders review income, tax returns, and documentation can help you prepare and make the mortgage process smoother.

Read more about what self-employed borrowers need to know!

08/14/2026

08/11/2026

What are seller concessions?

Seller concessions are when the seller agrees to help cover certain buyer costs — like closing costs, prepaid expenses, or eligible rate buydowns.

They can be a great tool to make buying a home more affordable and help buyers bring less money to the closing table.

Questions about how seller concessions work? Let’s chat!

08/07/2026

08/06/2026

Do you qualify for a USDA loan? Call us today to find out more!

07/17/2026

Check out our new blog post! An appraisal gap doesn’t always mean the deal is over! Learn what it means, why it happens, and what options buyers have.

07/13/2026

Buying your first home comes with a lot of new terms—and earnest money is one of them!

✔️ Shows the seller you’re serious
✔️ Submitted after your offer is accepted
✔️ Usually applied to your down payment or closing costs at closing
✔️ Protected by the terms of your purchase contract

Knowledge is power when buying a home. Follow us for more mortgage tips! 🏠💙
Equal Housing Lender.