The 2026 SALT cap is $40,400, but for many Richmond-area couples the standard deduction still wins. Worked examples for the City of Richmond, Henrico and…
Full and remaining entitlement after a prior VA loan, the current funding fee tiers translated into dollars at the Richmond median, the appraisal and the…
What a mortgage rate lock actually commits, how 30, 45 and 60 day pricing works, what float-downs and extensions cost in dollars, and the worked…
FHA project approval, the single-unit route, VA's separate approved list and conventional project standards decide whether a Richmond condo can be financed at all. Here…
A gift has to be documented, sourced and non-repayable. What the gift letter must contain, who counts as an acceptable donor on a conventional loan,…
What the two numbers in a 5/6 ARM mean, how index, margin and the three caps turn an open-ended fear into arithmetic you can do…
A recast re-amortizes your existing loan at the same rate after a lump sum. A refinance replaces the rate and the term and costs real…
Three ways to buy your next Richmond home before the current one closes, what each actually costs, and which one a seller in a 1.8-month…
A seller-paid 2-1 buydown worked all the way through on a $460,000 Richmond purchase: year one and year two payments, the exact escrow subsidy, the…
FHA 203(k) Limited caps renovation funds at $75,000 and will not touch structure. Standard 203(k) handles structural additions but brings a HUD consultant. HomeStyle allows…