Homebuyer guide blog

1 min read

How Much House Can You Afford and Still Enjoy Your Life

A lender may tell you how much you qualify to borrow, but that figure does not account for every goal in your budget. The more useful question is what home payment you can carry comfortably while still saving, traveling, or simply enjoying your...

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Premia Mortgage

3 min read

Down Payment vs. Cash to Close

You’ve been saving for a down payment, watching home listings, and imagining life in your new place. Then you hear another phrase: “cash to close.”...

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2 min read

VA Home Loans for Veterans: Benefits, Eligibility & Other Government-Backed Mortgage Options

If you're a veteran, active-duty service member, or eligible surviving spouse, you may have access to one of the most valuable home financing...

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2 min read

Questions Smart Homebuyers Ask Before They Apply

Buying a home is one of the biggest financial decisions most people make—but that doesn’t mean you need to have everything figured out before getting...

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Premia Mortgage Pre-Approval

1 min read

Pre-Approval vs. Pre-Qualification: What’s the Difference (and Why It Matters)

Understand how each option works—and which one gives you the edge when buying a home.

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2 min read

First-Time Homebuyer's Guide - Part 2

Why do you want to buy a house? Before you decide to buy a new home, you'll need to decide why you want to buy a new home. Like many steps in the...

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1 min read

Understanding the Importance of Credit

A credit rating or FICO score is one of the most critical pieces of customer information when applying for a mortgage. What is a credit rating or...

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1 min read

Benefits of the Adjustable Rate Mortgage

If you do not plan on staying in your home for 30 years, why finance it for 30 years? It is a great question, especially for relocating employees who...

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3 min read

Why Homeownership is Still a Smart Financial Move

We’re convinced buying a home is still a smart financial move, and despite the chatter in some quarters, now can be a great time to enter the...

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4 min read

How to Buy a Home with No Money Down - Part 2

What if you don't qualify for government-backed loans? There’s a lot to understand for those learning how to buy a house with no money down. As you...

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