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Commercial Mortgage Refinancing: How Does It Work?

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.


In business, there are many reasons why you may want — or need — to look into commercial mortgage refinancing. Maybe your credit score has vastly improved over the last few years and you’re hoping to score a better interest rate, or maybe you’re trying to avoid making a large balloon payment at the end of your current loan term. Regardless of your reasons for wanting to consider a new loan, the process can seem daunting. However, it doesn’t have to be. This guide will walk you through the ins and outs of refinancing a commercial mortgage so that you can make the financing decisions that will work best for you and your business.

Why refinance a commercial loan?

Lower interest rates

The first reason why you may want to refinance a commercial mortgage is to take advantage of lower interest rates. Interest rates are still at relative lows, historically, and if your financial situation has improved since the last time you were approved for a loan, you could be a candidate to take advantage of those lower rates.

Increased cash flow

The main benefit of those lower interest rates is that you’ll have a decreased monthly payment. That lower payment means increased savings, which can be a source of greater cash flow.

On the other hand, you also have the option of doing a cash-out refinance, in which you borrow more money than you currently owe. The excess comes to you as tax-free funds to be used however you wish. Usually, people use this method to undertake big projects like making improvements to the property or funding an expansion.

Better loan terms

Another reason why someone might consider refinancing is to create an opportunity to negotiate more favorable loan terms. This could mean moving from an adjustable-rate mortgage (ARM) to a more stable fixed-rate option or simply tailoring the length of the loan to meet your current needs.

Avoiding balloon payments

Additionally, refinancing your loan could be a way to avoid having to make a sizable balloon payment — a larger-than-usual one-time payment at the end of the loan’s term. Mortgages with balloon payments generally come with lower, sometimes interest-only, payments over the life of the loan. However, when the balance of the loan becomes due, it could amount to thousands of dollars. If you don’t have that amount of cash on hand, refinancing will allow you to extend your repayment window.

What are the borrower requirements to refinance?

In order to get approved for a commercial mortgage, you’ll need to meet certain borrower requirements. Though the exact specifications will vary by lending institution, here’s a general overview of what you can expect:

Repayment ability

First and foremost, lenders want see that you have the ability to actually repay the loan. Typically, this is determined by something called a Debt Service Coverage Ratio (DSCR). It’s found by dividing your business’s net operating income by annual loan payments. In this case, it’s best to shoot for a ratio of 1.2 or more.


Ideally, your business will have a strong management history in order to prove its longevity. For this reason, most lenders limit themselves to businesses that have been operating for two years or more. You may also be asked to show a resume or business plan detailing your experience and future projections.


In this case, equity refers to the stake that the owner has in the property. In some instances in which the property generates enough income on its own, it can serve as its own collateral. In others, the borrower must put up personal collateral of his or her own.

Credit history

Finally, lenders want to be sure that you have a history of paying off existing debts, so they’ll check your credit score. Be aware that both your business and personal scores may be evaluated.

How does a commercial refinance differ from a home loan refinance?

“Lenders look at this type of loan differently,” said James Hoopes, a senior vice president at NorthMarq Capital in Minneapolis, Minnesota.

“With home loans, your personal credit decides whether or not you get the loan. Here, the amount of income the property produces from its tenants is just as — if not more — important than your credit score.”

In addition to differences in qualifying requirements, Hoopes pointed out that there are huge differences in the way residential and commercial loans get paid off.

“Residential loans tend to amortize over the life of the loan,” he explained, “meaning that the homeowners will have usually paid off the loan in full by the end of the term.”

“Commercial loans, on the other hand, tend to have an amortization period that’s longer than the loan term, which means that borrowers can find themselves facing a large payment when the loan comes due.”

Above all, Hoopes cautions borrowers to think carefully before refinancing their commercial loans. These types of loans come with high penalties that aren’t seen when refinancing traditional home loans.

Types of commercial loans

These days, there are a few distinct types of commercial loans that you can choose from. Be sure to research each one before applying so that you know which type of financing is best for your business.

SBA 7(a) loans

The SBA 7(a) loan is the most common type of small-business loan. The loan is popular because it’s backed by the U.S. Small Business Administration (SBA) and is geared toward serving businesses that might otherwise be turned down by banks. These loans come with a limit of $5 million, and the SBA agrees to back up to 85% of loans up to $150,000 and 75% of those above that amount.

CDC/SBA 504 loans

Another government-backed loan, the CDC/SBA 504 loan is different from the SBA 7(a) loan in the way it’s structured. For this, the SBA will provide 40% of the total project costs, while a Certified Development Company (CDC) will provide an additional 50%, and your down payment will account for the final 10%. Due to its structure, there is no limit on how much you can borrow for CDC/SBA 504 loans; however, the maximum amount that the SBA will provide is $5 million.

Private loans

Private loans are offered by a bank or mortgage company. Traditionally, these loans offer competitively low interest rates. In exchange, however, they typically come with higher qualifying standards in terms of acceptable credit scores and operating histories.

How can you find a lender?

Ideally, you’ll already have a lender in place from the last time you applied for a mortgage. However, if that’s not the case, don’t hesitate to do your own research. Ask your industry contacts who they use for financing, use the SBA website’s free lender match service and read online reviews.

The commercial loan refinancing process

“The first step to refinancing a commercial loan is figuring out what kind of loan you need,” advised Hoopes of NorthMarq Capital. This means taking a close look at why you want to refinance, whether it’s to secure a lower interest rate or to fund renovations via a cash-out option.

The next step is to shop around. “Talk to different lenders in your area to get a sense of what they can offer you. Ask about interest rates, fees and other terms until you find the best proposal for you,” he continued.

From there, it’s all about gathering the right documentation and filling out an application. Every lending institution will have different application requirements. However, in general, you should expect to need the following: a property description, a rent roll, proof of income (profit/loss or revenue/expense statements showing several years of operating history) and the borrower’s resume and financial statements.

“After that, you can enter what’s known as the underwriting period,” Hoopes said. “During this time, the lender will order an appraisal and other third-party reports to determine if you’re eligible to receive the loan.”

“Once the loan has been approved, the lender will issue a loan commitment and, at that point, it’s just a matter of preparing the legal documents for closing,” he concluded.

Fees and closing costs

Not surprisingly, fees can vary from lender to lender, as well; however, two common fees that you should watch out for are prepayment penalties and and a guaranty fee. Prepayment penalties can be hefty and result from paying off your existing mortgage early with your new loan.

For their part, only SBA loans are subject to the guaranty fee. This fee is charged to the lender but is passed along to you for the security of having a government-backed loan. Only the amount of the loan that’s backed by the SBA is taxed, rather than the loan’s face value.

Luckily, closing costs are a bit more predictable. “As a rule of thumb, for loans under $10 million, I would estimate 2% of the loan amount for both closing costs and lender fees, not including legal fees,” Hoopes said. “But they can move up from there.”

The bottom line

At first glance, commercial mortgage refinancing can seem like an overwhelming process, but it doesn’t have to be. With a little bit of research, planning and forethought, you should be able to find a commercial loan that serves your and your business’s needs.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Tara Mastroeni
Tara Mastroeni |

Tara Mastroeni is a writer at MagnifyMoney. You can email Tara here


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The Guide for Single Women Homebuyers

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.


Single women are almost twice as likely as single men to be homeowners in most U.S. metropolitan areas, according to a recent LendingTree study. On average, single women own about 22% of homes, compared with the 13% owned by single men.

Even in the metro area where the ownership rate among single men is the highest in the country — Oklahoma City, at 16% — homeownership among single women there exceeds that rate by 8 percentage points, according to the study. LendingTree is the parent company of MagnifyMoney.

If you’re a single female who is considering taking the homeownership plunge, these statistics prove you’re in good company. Read on for tips on how to navigate making the biggest purchase of your life.

Pros and cons of purchasing a home on your own

As with any significant decision, both positives and negatives come with buying a home by yourself. Having a clear picture of each will ensure that you enter the homebuying process with a realistic idea of what’s ahead.


  • Autonomy. Owning a home spells independence! No more depending on a landlord or anyone else for your living arrangements. You’ll also get to navigate the buying process without having to compromise or yield to someone else’s preferences.
  • Building wealth. As you pay down your loan and build up equity in the home, you’ll be increasing your wealth.
  • Stability. You’ll never have to worry about your rent increasing unexpectedly or having to find a new place once a lease ends.


  • Vulnerability if you lose your income. You alone will be responsible for paying the mortgage. If you lose your income, there’s no co-borrower to pick up the slack. To protect yourself if that does happen, build up a healthy emergency fund of three to six months or more of expenses before buying a home.
  • Difficult to qualify for a bigger mortgage with just one income. Tendayi Kapfidze, chief economist for LendingTree and the author of the U.S. homeowning gender-gap study, said this is one of the biggest disadvantages. “You’ll probably afford less when you’re by yourself than if you were combining incomes,” he stated.
  • Less flexibility. Making impulsive decisions that affect you financially may no longer be an option once you become a homeowner.
  • Longer to save. Coming up with a down payment is a challenge for most buyers, regardless of marital status or gender. If you’re aiming for a 20% down payment, it takes over seven years on average to save it, according to Zillow. Naturally, saving on your own means saving at a slower pace.
  • Solely responsible for everything. The independence you get from buying a home comes with a downside: Everything is on you. From maintenance and repairs to taking care of the lawn, you’re either doing it on your own, getting help or paying someone.

Protecting your real estate investment as a single homeowner

One thing to keep in mind when purchasing a home on your own is how to protect your investment should your single status change in the future.

If you let a partner move in with you or you get married, you’ll need to decide how to approach ownership of the home. If your partner or spouse is to become a co-owner, then you’ll need to add them to the deed.

“Get the advice of an attorney on how to best protect your assets,” Kapfidze recommended. Depending on your other assets and the value of the home, a prenuptial legal agreement may be in order. In some cases, you may want to have a formal written agreement on how you will divide the mortgage payments and whether your partner will pay you for any equity already built up in the home.

Loan programs available

The best way to maximize your buying power as a single-income borrower is to make sure you finance it with the most cost-effective loan. This will affect the size of the mortgage you’re approved for, your monthly bills and cash flow and, ultimately, the total amount you’ll pay to finance the home.

There are multiple loan options available, depending on your situation

Conventional loans

Conventional loans are mortgages that are not a part of a government program. They are usually the way to go if you can put at least 5% down and you have solid credit, as the better your credit score, the lower your interest rate. (Some lenders may have products that allow a 3% down payment.)

Keep in mind that if your down payment is less than 20% of the purchase price, you’ll need to pay for private mortgage insurance (PMI), which can chip away at your buying power.

FHA loans

With a loan from the Federal Housing Administration (FHA), you can put down as little as 3.5%, a great option if saving for a large down payment will take you a while. And the minimum credit-score requirement of 500 gives borrowers with less-than-perfect credit a shot at homeownership. (If you wish to put down 3.5%, you will need a credit score of at least 580.)

These loans do require that you pay an annual mortgage insurance premium (MIP), which is built into the monthly payment, as well as an upfront mortgage insurance fee.

VA loans

If you qualify for a loan from the U.S. Department of Veterans Affairs (VA), you can purchase a home with no down payment and flexible credit requirements. Qualifying borrowers must be Active Duty service members, veterans and eligible surviving spouses.

USDA loans

The U.S.Department of Agriculture (USDA) offers loans to very low– to moderate-income borrowers who purchase homes in designated rural areas. These loans require no down payment, allow you to finance the closing costs and have forgiving credit requirements.


With a minimum credit score of 620 and a down payment of at least 3%, you can qualify for this program offered by Fannie Mae.

Home Possible®

No credit score is required for this Freddie Mac program, but you’ll need to meet the income restrictions for very low– to moderate-income buyers and put down at least 3%.

Steps to becoming a homeowner

Take the intimidation factor out of buying a home on your own by approaching the process in an organized fashion. Here are some steps to take toward becoming a homeowner.

Figure out your budget. Before you start shopping for a home or looking at loans, take a look at your budget to see what size monthly payment you can afford. Figure out an “all-in” amount you can spend on housing, including the mortgage payment, taxes, insurance, maintenance, utilities and other related expenses.

Kapfidze said it’s crucial to be realistic when estimating what you can afford. “Be wary about overextending yourself when you’re single because if you do have a disruption in your income, you’ll be in a challenging situation,” he said.

Educate yourself. You may want to consider taking a homeownership course through your local HUD office or a non-profit organization in your area.

Research loan options and lenders. In addition to the mortgages listed here, check with your local HUD office to see if your state offers loan programs you may qualify for. Compare loans and lenders to find the best terms that meet your needs.

Get prequalified. You can get an idea of how much your lender will approve you for by submitting your information for a prequalification. Keep in mind that it’s just an estimate and not based on your full application.

Get pre-approved. A pre-approval will hold more weight than a prequalification while you’re shopping because it’s based on an official application. You’ll have an advantage over buyers who are shopping without one.

To increase your chances of approval, Kapfidze suggested consumers pay attention to the factors lenders will focus on the most. “Lenders care about your income, your down payment [and] your credit score. That applies to all buyers,” he said.

Start shopping. Work with a real estate professional to help you during your home search. But be prepared to stick to your guns regarding your price range, and don’t feel pressured to go over your budget.

Making an offer. Once you’ve settled on a home, your real estate agent will help you make an offer. But don’t get too attached to a property. Once you develop an emotional attachment to a house, it can be hard to look at your situation objectively and know when you need to walk away.

Closing on the home. Once your offer is accepted, you’ll go through a home inspection, work with the sellers on necessary repairs and any other steps your lender will require before closing. And then you’ll finally reach the moment you’ve been working for … you’ll be a homeowner!

Buying with confidence

Purchasing a home is a big responsibility for anyone. Single women who are considering buying a home should not be discouraged or intimidated. “There are more and more single buyers out there. A lot of people are making that move,” Kapfidze said.

If you do your research and have a firm grasp of the process, you’ll be able to approach buying and owning a home with confidence.

This article contains links to LendingTree, our parent company.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Alaya Linton
Alaya Linton |

Alaya Linton is a writer at MagnifyMoney. You can email Alaya here


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What Kinds of Mortgage Loans Are Available?

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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When it comes to financing the largest purchase you’ll ever make in your life — your home — it’s essential that you approach it as an informed consumer. Not educating yourself during the mortgage process could mean ending up with a more expensive loan than necessary and could cost you tens of thousands of dollars.

To avoid that, make sure you have an understanding of all your financing options. In this guide, we’ll go over the different types of mortgage loans to help you find the one that best meets your needs.

Mortgages are classified based on a few overarching criteria.

  • Government-backed or conventional. All mortgages fall into one of the two categories.
  • Fixed-rate or adjustable rate. This refers to how the interest rate on the mortgage is structured.
  • Jumbo or conforming. The amount of the loan dictates whether it is a conforming or jumbo loan.

Tendayi Kapfidze, chief economist for LendingTree, the parent company of MagnifyMoney, said multiple factors dictate which loan product is best for an individual. You’ll need to consider the size of your down payment, the price of the home, your credit history, your risk tolerance and your eligibility for specific loan programs. “Once you have some preferences on those, then you shop around and see what kind of deals you’re getting,” Kapfidze said.

Let’s take a look at the various loan options.

Government-backed vs. conventional home loans

Loans are defined one way by whether they’re a government loan or not. The government offers three loan programs: FHA, VA and USDA. A conventional mortgage is any loan that is not a part of one of these programs.

Government-backed loans target and serve consumers who may be underserved by traditional financing. Because lenders potentially take on greater risk by extending credit to these borrowers, the government provides protection to lending institutions by insuring the loans. The cost of insuring or guaranteeing the loan is passed on to the buyer through fees built into the mortgage.

Federal loans tend to be more expensive than conventional loans, but they are easier to qualify for. You may need a lower credit score to qualify, and you may be able to put down a smaller down payment.

Let’s review the three types of government loans.


FHA loans are insured by the Federal Housing Administration. These loans let you purchase a home with a down payment as low as 3.5% and a credit score as low as 500, depending on the size of the down payment.

You’ll be limited in the amount you can borrow, based on the market rate for homes in a specific area. With FHA financing, homebuyers usually pay mortgage insurance premiums through an upfront charge of 1.75 of the loan amount, which can be rolled into the mortgage. Additionally, you’ll pay an annual mortgage insurance premium that is built into the monthly payment.

You can finance properties of between one and four units as well as mobile and manufactured homes that meet FHA program requirements. You apply for FHA loans through FHA-approved private lenders.

Advantages of an FHA loan:

  • Low down payment
  • Lenient credit requirements
  • Low closing costs

FHA loans are best for:

  • First-time homebuyers who don’t have home equity already built up that could go toward a down payment
  • Buyers with lower credit scores
  • Buyers with low down payments


The Department of Veterans Affairs backs mortgages for veterans, service members and eligible surviving spouses. Borrowers can purchase homes with no money down and lenient credit requirements.

There is no purchase price limit with a VA loan. However, there are limits on how much you can finance without putting money down.

Applicants will need to meet the VA’s residual income guidelines, which establish how much income you must have left over after covering all debts and living expenses.

VA loans do not require the borrower to pay mortgage insurance, but you will pay an upfront funding fee, which is a percentage of the loan amount. You can apply for VA loans through approved private lenders.

Advantages of a VA loan:

  • No down payment (unless a lender requires one)
  • No minimum credit score (unless a lender requires one)
  • No mortgage insurance required
  • No maximum loan amount
  • No maximum debt-to-income ratio (DTI) (unless set by the lender)

VA loans are best for:

  • Veterans, service members and eligible surviving spouses
  • First-time homebuyers
  • Buyers with low or no credit score
  • Buyers with little or no down payment


Buyers in rural areas can seek financing through the United States Department of Agriculture.These programs are income-sensitive, and you must purchase a property in an eligible rural area.

The USDA has two loan programs:

Guaranteed loan program. In this program, loans are offered by local lenders and guaranteed by the USDA. Your income must fall within the income limits established for low- or moderate-income households, determined by the location of the home and your family size.

These loans carry an upfront loan guarantee fee and may also include an annual fee, both of which are at the borrower’s expense. The lenders set the interest rate for these loans, but rates are capped by the USDA.

Direct loan program. In this program, you can finance a home directly with the USDA. Your income must fall within the established guidelines for very low or low-income households. And the property itself must meet specific criteria. For example, homes must be 2,000 square feet or less in most cases.

Additionally, this program limits the purchase price based on location. Interest rates are lower in the direct loan program than the guaranteed loan program, and there is no mortgage insurance or guarantee fee. Some applicants may qualify for a payment subsidy, which can lower the effective interest rate to as low as 1%.
Advantages of a USDA loan:

  • No down payment required
  • Flexible credit requirements
  • Closing costs can be financed
  • Longer loan terms can reduce the monthly payment

USDA loans are best for:

  • First-time homebuyers
  • Low-income borrowers
  • Rural residents
  • Buyers with low or no credit score
  • Buyers with little or no down payment


As mentioned previously, any loan that is not a part of a government program is a conventional loan. These loans are issued by private lenders and are not backed or insured by the federal government.

Conventional loans require higher down payments than government-backed loans — typically, a minimum of 5% — although some lenders offer programs with down payments as low as 3%. Borrowers who put down less than 20% will need to pay for private mortgage insurance, or PMI, which is added to the loan payment.

Credit requirements are a bit tighter with conventional financing and vary by lender. Borrowers with higher scores will qualify for better rates.

Advantages of a conventional loan:

  • Lower fees than government loans

Conventional loans are best for:

  • Applicants with good to excellent credit
  • Applicants putting down 5% or more

Fixed-rate vs. adjustable-rate mortgages (ARMs)

Mortgages are also classified by the structure of their interest rate. Loans have either a fixed rate or an adjustable rate.

Fixed-rate mortgages

The interest rate and monthly payment on a fixed-rate mortgage remain the same throughout the life of the loan. That means your payments are predictable, and you’re protected from interest rate hikes. Conversely, it also means you cannot take advantage of any interest rate drops unless you refinance the loan.

Advantages of a fixed-rate mortgage:

  • Stability
  • Easier to plan for
  • Protects you from rate increases

Disadvantages of a fixed-rate mortgage:

  • Cannot take advantage of interest rate decreases
  • Higher rates than adjustable-rate mortgages

Fixed-rate mortgages are best for:

  • Most buyers
  • Borrowers who are risk-averse
  • Borrowers who cannot afford an increase in their payment


Unlike fixed-rate loans, the interest rate on adjustable-rate mortgages adjusts throughout the loan. The rate is tied to an index that the lender uses. As the index goes up or down, the mortgage rate and the monthly payment increase or decrease.

Interest rates on ARMs are usually lower than fixed-rate loans initially, but as the market fluctuates, the rate could increase significantly.

Adjustable-rate mortgages can differ in how they are structured. But generally, these loans have a period when the rate is fixed, which can range from one month to 10 years. The most common fixed terms are three, five, seven and 10 years.

Once the fixed period ends, the interest rate will adjust at predetermined intervals — monthly, quarterly, annually or every three or five years. The most common adjustment period is one year, which means the interest rate and payment will change once per year until the end of the loan.

When comparing ARMs, you’ll notice that they are written with two numbers such as 3/1, 5/1 or 10/1. The first number represents the fixed period while the second number represents how often the rate will adjust.

For example, a 3/1 ARM will have a fixed rate for three years and will adjust annually after the fixed period ends. A 5/1, 7/1 and 10/1 ARM will have fixed periods of five, seven and 10 years respectively, followed by annual adjustments.

The initial low rates of ARMs can be appealing for some buyers, but those rates will likely increase. “If you do consider an ARM, make sure you’re very comfortable with the possibility of your payment going up,” Kapfidze advised.

Advantages of an ARM:

  • Lower rates initially
  • Interest rates and payment could decrease

Disadvantages of an ARM:

  • Very risky and unpredictable
  • Interest rate and payment can increase significantly

Conforming vs. jumbo loans

Conventional loans are defined by another classification: conforming or jumbo.

Conforming mortgage loan

Conventional loans have maximum price limits in place set by the government as well as other guidelines established by Fannie Mae and Freddie Mac, the government-sponsored companies that insure a majority of conventional loans.

Limits are based on geographical area, with higher loan amounts allowed in counties that are considered “high cost.” Conforming loans are those that fall within the loan limits. In most of the United States, the limit for one-unit properties is $484,350 in 2019.

Jumbo mortgage loan

Borrowers who want to purchase above the conforming loan limits will need to take out a jumbo loan.

Qualification requirements are usually stricter for jumbo loans, with borrowers needing higher down payments and a strong credit profile.

Determining the right mortgage for you

Now that you have a better understanding of the types of loans, you can compare various options to see what is best for you. Again, give thought to the size of your down payment, the price of the home you wish to buy, your credit history and your risk tolerance.

Additionally, Kapfidze said one of the most important factors to consider is your bottom line. Before shopping for a loan, he advises that consumers should ask themselves how much they are able and willing to pay for a mortgage. The best way to answer that is to come up with a monthly budget projecting the prospective mortgage payment and expenses related to the home, including taxes, insurance, maintenance, repairs and utilities.

“Get a complete all-in monthly housing cost that you’re comfortable with,” Kapfidze said. He added that once you have that number, you can review the loan options that line up with your budget.

Doing this before you begin shopping is crucial, as it’s easy to get swept up in the emotion of buying a home. He also said consumers should talk to several lenders. “There’s always a lender out there that will work with your situation, you just have to find them,” he said. “The more lenders you talk to, the more chances you’ll have of finding that lender that fits your particular circumstances.”

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Alaya Linton
Alaya Linton |

Alaya Linton is a writer at MagnifyMoney. You can email Alaya here


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Home Purchase Quotes

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