PMI and MIP in the Richmond Market: When It Drops Off and How to Get Rid of It Sooner
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…
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…
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…
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…
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…