Latest Mortgage News

November 5, 2016
Open Collections and Buying a New Home

Open Collections and Buying a New Home

Pay off Outstanding Collections to Qualify for a Mortgage Borrowers DO NOT have to pay off outstanding collections to qualify for a FHA Mortgage Loan. If […]
October 28, 2016
Housing Down Payment Myths

Housing Down Payment Myths

Housing Down Payment Myths Many people are hanging on to their current living situation due to lack of funds to use towards housing down payment.  However, […]
October 25, 2016
Conventional Home Loan

Conventional Home Loan – First Mortgage Choice ?

Conventional Home Loan Preference A Conventional Home Loan is often the preference of friends I have met or family that are potential home buyers, at first, […]
October 22, 2016
Collection Account - Charge Off Accounts

Pay Collection Account – Charge Off Accounts to Qualify for FHA

Collection Account – Charge Off Accounts and FHA Loan Th HUD 4000.1 FHA Handbook must be followed by approved FHA Mortgage Lenders and FHA Mortgage borrowers […]
October 19, 2016
Accelerate Mortgage Payoff

Accelerate Mortgage Payoff – Own-Your-Home-FAST

Three Ways to Accelerate Mortgage Payoff It’s always exciting to move into a new home, however most homeowners also are 20 or 30 year mortgage owners […]
October 15, 2016
Home Buyer Mortgage Questions

Ask the Right Home Buyer Mortgage Questions

Questions First Time Home Buyers should ask I attribute the success of my wife Ronda Stepp as a Realtor in both Texas and Florida to asking […]

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Welcome to the Homes Network
We are a resource and informational Center for Consumers and Professionals in regards to Real Estate and Mortgage Services. We encourage professionals within the Real Estate and Mortgage community to lend opinion, knowledge and experience about the latest Mortgage or Real Estate news. Our readers and viewers of this resource informational Center range from consumers, potential home buyers, homeowners, renters, Real Estate agents, Attorneys, Investors and individual consumers who are interested in developing their knowledge of Real Estate and Mortgage guidelines. The Homes Network at is available 7 days a week, holidays and weekends.

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Questions & answers

What credit score do I need to apply for a loan?

With some fantastic programs we have, you can get approved with as low as a 580 FICO score or you can get an FHA loan with a 500-579 FICO score with 10% down payment. Rest assured we don't have any lender overlays so once you are approved, you are ready to go as our approval is as good as gold!

FHA Loans vs. Conventional Loans: What is best for me?
p>You may be wondering which loan product is best for you, an FHA loan or a conventional loan. Both loans offer advantages to the borrower but you need to be informed on what these are and what product will fit your situation.

Where can I check my credit score?

You can request a free copy of your credit report once per year from each of three major credit reporting agencies: TransUnion, Experian, and Equifax. Please visit to obtain these reports so you are always informed. You’re also entitled to see your credit report within 60 days of being denied credit. Let's do it and get back to us!