Mortgage Tips & Home Loan Guides | ABS Home Mortgage

Both loans charge mortgage insurance under 20% down. The difference is that conventional PMI cancels and FHA MIP at 3.5% down does not. Plus the 2026 Illinois loan limits, the visa-holder rule change, and how property taxes affect which one you qualify for.

We cover the closing costs associated with the loan — which means no break-even to wait for. If rates drop again, you may be able to refinance again. Here's how it works and what decides whether you qualify.

A Chicago-area buyer won a multiple-offer bid by agreeing to a non-refundable deposit and a 12-day close. Here's the day-by-day of how the file closed on time — and what actually delays closings.

Everything a first-time buyer needs in Naperville for 2026: what you can actually afford with DuPage County taxes, down payment minimums, neighborhood-by-neighborhood pricing, Illinois assistance programs, and the pre-approval process.

Turned down for a mortgage even though you can afford it? Non-QM loans use flexible underwriting - bank statements, assets, 1099s, or rental income instead of just tax returns. Here's how they work.

Florida DSCR loans in 2026: the improved insurance environment, top markets like Tampa and Orlando, short-term rental income rules, and what actually moves your DSCR ratio.

A plain-spoken answer to the question borrowers keep asking: no, AI does not approve your loan or set your rate. Here is exactly what our AI assistant does, and where a licensed human takes over.

Can your H-4 EAD spouse's income help you qualify for a mortgage? Here's what counts, what changed with FHA in 2025, and how to combine both incomes.

Physician mortgage loans let doctors buy with little or no down payment, skip PMI, and get student debt treated the way an income-driven plan actually works. Here's how they work in 2026.

The 21st Century ROAD to Housing Act just became law. Here are the 5 changes that actually matter if you're buying or selling a home right now.

100% bonus depreciation is back and permanent under OBBBA. How rental investors can pair it with DSCR financing to keep scaling.

The one-line answer is "usually 20-25% down" — but the real answer depends on your DSCR ratio, credit score, and property type. Here's how the tiers actually work, and how to get to the lower end.

Just moved to the U.S. and starting from zero credit? Here's the fastest realistic path to a mortgage-ready credit score — and the mistakes that slow new arrivals down.

Can H-1B, L-1, or NRI buyers get a U.S. mortgage in 2026? Yes — here's how visa holders qualify for conventional loans and how NRIs use DSCR loans to invest.

DSCR loans qualify real estate investors using property cash flow instead of personal income or tax returns. Here's how they work and who they're built for.

Waiting for mortgage rates to plunge has quietly become one of the most expensive mistakes a homebuyer can make. Here's what today's market actually looks like — and how prepared buyers are winning in 2026.