Your lender must get you the Closing Disclosure three business days before closing. Here is how to count the days, which three changes restart the…
After a mortgage approval, lenders typically re-check your credit, job and funds before closing. Here is what counts as new debt, how deposits and gifts…
An explainer on what happens when a HECM reverse mortgage becomes due after a Richmond-area homeowner moves, sells, or passes away, including heirs' options and…
How Virginia's DMV title elimination process converts a manufactured home from personal property into real property, and why mortgage lenders require it before closing.
PMI on conventional loans and MIP on FHA loans follow very different cancellation rules. Here is exactly when each one drops off in the Richmond…
A DSCR loan qualifies a rental property on its rent, not your tax returns. Here is how the ratio is calculated, what lenders also check,…
What the underwriter verifies after you go under contract, how conditions and clear to close work, which documents lenders ask for again, and what causes…
A comparison of how a HELOC and a home equity loan are underwritten and used by Richmond-area homeowners financing a renovation, including what happens to…
A plain-language guide to how a 1031 exchange actually works for Richmond-area rental property owners, covering the 45-day and 180-day deadlines, the role of a…
Virginia Housing income and sales price limits for the Richmond MSA read from the agency site on 18 September 2026, how the grants differ from…