If you’re buying your first home in Virginia, Florida, Tennessee, or Georgia, the single most expensive decision you won’t make isn’t which house to buy — it’s which mortgage to take. A quarter-point rate difference on a $400,000 loan can cost or save you tens of thousands of dollars over 30 years, and most first-time buyers never shop beyond the first lender who answers the phone.
Duane Buziak, NMLS #1110647, at Coast2Coast Mortgage LLC, NMLS #376205, operates as an independent wholesale broker with access to 500+ lenders — meaning he shops rate sheets that retail banks never show you. And the best part: you can start comparing your options today through our NoTouch Credit Pull soft-pull pre-approval, which gives you a real rate picture without any hard inquiry hitting your credit report. That means a genuine soft credit pull mortgage experience from the very first conversation.
This guide breaks down the 7 best mortgage options available to first-time buyers right now — FHA, conventional, VA, USDA, Non-QM, down payment assistance, and rate buydowns — with worked dollar examples, a side-by-side comparison table, and an 8-question FAQ. By the end, you’ll know exactly which loan type fits your situation and how to get a no hard inquiry mortgage pre approval that protects your score while you shop. Call 804-212-8663 to get started.
Loan-Type Comparison: Broker vs. Retail at a Glance
Before diving into each loan type, here’s a side-by-side look at how Coast2Coast Mortgage LLC compares structurally to retail direct lenders Rocket and Movement Mortgage. These are factual structural differences — not rate opinions.
| Feature | Duane Buziak / Coast2Coast (Broker) | Rocket Mortgage (Retail) | Movement Mortgage (Retail) |
|---|---|---|---|
| Lender Access | 500+ wholesale lenders | Single rate sheet (own products) | Single rate sheet (own products) |
| Pre-Approval Credit Pull | NoTouch Credit Pull (soft pull) | Hard pull required | Hard pull standard |
| Non-QM / Bank Statement Loans | Available (multiple programs) | Not offered through retail channel | Limited access |
| ITIN / Foreign National Programs | Available | Not available through retail channel | Not available through retail channel |
| VA Loans to 500 FICO | Available through wholesale channel | Higher minimum FICO typically required | Higher minimum FICO typically required |
| Down Payment Assistance (Dynamo/Turbo) | Available, layered on FHA or conventional | Not offered | Not offered |
| Licensed States | VA, FL, TN, GA | Nationwide | Nationwide |
1. FHA Loans: The Low-Down-Payment Workhorse
The Challenge It Solves
Saving a 20% down payment on a $350,000 home means coming up with $70,000 in cash — an unrealistic barrier for most first-time buyers. FHA loans, backed by the Department of Housing and Urban Development, break that barrier dramatically. You need just 3.5% down with a 580 FICO score, or 10% down with a score as low as 500. For buyers with moderate credit who’ve been told they can’t qualify, FHA is often the opening door.
The Strategy Explained
FHA loans carry two mortgage insurance premiums: an upfront MIP of 1.75% of the loan amount (typically financed into the loan) and an annual MIP of 0.85% on loans with less than 10% down. The critical detail most buyers miss: FHA MIP does not automatically cancel on loans with less than 10% down that were originated after June 2013. You pay it for the life of the loan unless you refinance into a conventional product once you’ve built sufficient equity.
A soft credit pull mortgage check through NoTouch Credit Pull lets you see whether FHA or conventional is your better fit — before any lender touches your score.
Implementation Steps
1. Run your NoTouch Credit Pull: Get your real FICO picture without triggering a hard inquiry. This tells you immediately whether you’re in the 580+ zone for 3.5% down or the 500–579 range requiring 10% down.
2. Calculate your true monthly cost: Use the worked example below to see how FHA MIP compares to conventional PMI on your specific purchase price.
3. Plan your exit: If you expect your home to appreciate or plan to make extra payments, map the timeline to 80% LTV — that’s your trigger to refinance out of FHA MIP into a conventional loan with no PMI.
Worked Dollar Example: FHA vs. Conventional on a $350,000 Purchase
For illustrative purposes. Actual rates and insurance costs vary by lender, credit profile, and market conditions.
FHA scenario: 3.5% down = $12,250. Loan amount = $337,750. Upfront MIP = 1.75% = $5,911 (financed). Annual MIP = 0.85% = approximately $239/month. Over 7 years (a common first-home tenure), total MIP paid = approximately $20,076 — and MIP continues beyond that unless you refinance.
Conventional scenario: 5% down = $17,500. Loan amount = $332,500. PMI at approximately 0.6–0.8% annually = approximately $166–$221/month. Once your loan balance drops to 80% of the original value (approximately $280,000), PMI cancels automatically. At typical amortization pace, that cancellation happens around year 9–10 — but you can request cancellation earlier if your home appreciates.
The bottom line: FHA costs less upfront but more over time. If your FICO is 620 or higher and you can stretch to 5% down, conventional often wins on total cost. If your FICO is under 620 or you need the lower entry cost, FHA is the right tool.
Pro Tips
Ask your broker specifically about FHA streamline refinance eligibility down the road — it’s a faster, lower-documentation path to dropping your rate once you’re in the loan. Also note: FHA loan limits in high-cost areas of Virginia, Florida, Tennessee, and Georgia may differ from the baseline. Confirm current limits with Duane Buziak, NMLS #1110647, before you lock a purchase price.
2. Conventional Loans: When Your Credit Score Earns a Better Rate
The Challenge It Solves
Buyers with FICO scores above 680 often overpay by defaulting to FHA when a conventional loan would cost them less over time. Conventional loans backed by Fannie Mae and Freddie Mac offer PMI that cancels at 80% LTV — a built-in savings mechanism that FHA MIP lacks on most loans. The challenge is that retail lenders quote conventional rates off a single rate sheet, while a wholesale broker shops across 500+ lenders to find the best available pricing for your specific profile.
The Strategy Explained
The Federal Housing Finance Agency sets 2026 conforming loan limits at $806,500 for most counties (baseline) and up to $1,249,125 in designated high-cost areas. Any loan at or below these limits qualifies for conventional conforming pricing — generally the most competitive rate tier available.
According to Freddie Mac’s Primary Mortgage Market Survey, 30-year fixed rates fluctuate week to week based on bond market conditions. The spread between a wholesale broker’s access rate and a retail lender’s posted rate can meaningfully affect your monthly payment — and that difference compounds over decades.
A no hard inquiry mortgage pre approval through NoTouch Credit Pull lets you compare conventional rate quotes across multiple wholesale lenders without any impact to your credit score.
Implementation Steps
1. Confirm your FICO score range: Conventional pricing tiers shift at 620, 640, 660, 680, 700, 720, and 740+. The higher your score, the lower your rate adjustment. Knowing your exact score before you apply shapes your entire strategy.
2. Check FHFA conforming limits for your county: If your target purchase price is near the conforming ceiling, a small loan amount adjustment could keep you in conventional pricing rather than pushing you into a higher-cost product.
3. Request wholesale rate sheet comparisons: Ask Duane Buziak to show you rate quotes from multiple wholesale lenders side by side — something a retail lender structurally cannot do.
Pro Tips
If you’re 60–90 days from closing, ask about a float-down option on your rate lock. Wholesale lenders sometimes offer this when rates drop after you’ve locked — a tool retail channels rarely provide. Also review the CFPB’s Owning a Home resource for a clear breakdown of loan estimate line items so you know exactly what you’re comparing.
3. VA Loans: The Most Powerful Option Most Veterans Don’t Fully Use
The Challenge It Solves
Veterans and active-duty service members often don’t realize the full scope of what their VA benefit delivers. No down payment. No private mortgage insurance. Rates that consistently track below conventional pricing. And through the wholesale channel, VA loans are accessible to borrowers down to 500 FICO — a threshold that retail lenders like Rocket and Movement Mortgage typically cannot match due to their own overlays. If you’ve served and you’re buying in Virginia, Florida, Tennessee, or Georgia, the VA loan is almost always your best financial option.
The Strategy Explained
The VA loan program charges a funding fee instead of PMI — currently ranging from 1.25% to 3.3% of the loan amount depending on your down payment and whether it’s your first VA loan use. Critically, veterans with a service-connected disability rating of 10% or higher are exempt from the funding fee entirely. That exemption can save thousands at closing.
VA loans also allow up to 100% LTV on a cash-out refinance — a distinct advantage over conventional cash-out, which caps at 90% LTV. Never conflate these two figures when planning a future refi.
Getting a mortgage pre approval without hard pull through NoTouch Credit Pull is especially valuable for VA borrowers who are still comparing their benefit against conventional options — you can run both scenarios without any credit score impact.
Implementation Steps
1. Obtain your Certificate of Eligibility (COE): This confirms your VA entitlement. Your broker can pull this directly through the VA’s automated system — it takes minutes, not weeks.
2. Verify your disability rating: If you have any service-connected disability, confirm your rating before closing. A 10%+ rating means no funding fee — period.
3. Compare VA vs. conventional side by side: Even if you qualify for both, the math sometimes favors conventional if you have a very high FICO and substantial down payment. Ask for both quotes before deciding.
Pro Tips
VA loans have no loan limit for borrowers with full entitlement — meaning you can purchase above the $806,500 conforming baseline without a jumbo loan structure, as long as you qualify income-wise. This is a significant advantage in higher-cost markets within Virginia and Florida.
4. USDA Loans: Zero Down for Rural and Suburban Buyers in VA, FL, TN, GA
The Challenge It Solves
Most first-time buyers dismiss USDA loans because they assume “rural” means farmland. That assumption leaves money on the table. The USDA Rural Development program covers a surprisingly broad range of suburban communities — including areas within commuting distance of Richmond, Orlando, Nashville, and Atlanta. If your target neighborhood qualifies and your household income meets the program ceiling, USDA delivers zero down payment with a lower ongoing cost than FHA.
The Strategy Explained
USDA loans carry a 1% upfront guarantee fee (versus FHA’s 1.75% upfront MIP) and a 0.35% annual fee (versus FHA’s 0.85% annual MIP). On a $300,000 loan, that annual difference is approximately $1,500 per year — or $125/month — in your favor with USDA. The trade-off is geographic and income eligibility: you must be in a USDA-designated area and your household income must fall within program limits, which vary by county and household size.
Working with a soft pull mortgage broker like Duane Buziak means you can check USDA eligibility alongside FHA and conventional options simultaneously — without running multiple hard pulls that damage your score.
Implementation Steps
1. Use the USDA eligibility map: Go to the USDA’s online eligibility tool at rd.usda.gov and enter your target address. Many suburban ZIP codes in Virginia’s Shenandoah Valley, Florida’s inland counties, Tennessee’s mid-state communities, and Georgia’s outer suburbs qualify.
2. Confirm income eligibility: USDA income limits are household-wide and include all adults living in the home. Your broker can run this calculation quickly once you provide household composition and gross income.
3. Compare USDA vs. FHA guarantee fee math: On a $300,000 purchase, USDA’s 1% upfront fee = $3,000 vs. FHA’s 1.75% = $5,250. That $2,250 difference at closing, combined with lower annual fees, often makes USDA the clear winner when you qualify.
Pro Tips
USDA loans require the property to be your primary residence and meet USDA property condition standards — similar to FHA appraisal requirements. Budget a few extra days in your due diligence timeline for the USDA conditional commitment process, which runs parallel to but slightly longer than conventional underwriting.
5. Down Payment Assistance: Dynamo and Turbo DPA Programs
The Challenge It Solves
For many first-time buyers in Virginia, Florida, Tennessee, and Georgia, the barrier isn’t qualifying for a mortgage — it’s coming up with the down payment in the first place. Dynamo and Turbo DPA programs are specifically designed to layer on top of FHA or conventional loans, reducing or eliminating the cash-at-closing requirement. These aren’t obscure workarounds; they’re structured programs that wholesale brokers can access and retail lenders typically cannot.
The Strategy Explained
DPA programs come in two primary structures. The first is a grant: funds provided that do not require repayment, reducing your out-of-pocket cost immediately. The second is a second lien: a subordinate loan that covers your down payment, often at 0% interest or deferred repayment terms, which is repaid when you sell or refinance.
Dynamo and Turbo DPA programs can be layered on FHA loans to cover the 3.5% minimum down payment requirement — meaning a qualified buyer could enter a home with little to nothing out of pocket at closing on the down payment itself. Note: closing costs are separate and still apply; DPA does not eliminate closing costs.
Worked Dollar Example: $15,000 DPA on a $300,000 Purchase
For illustrative purposes. Program terms vary and are subject to change.
Without DPA: 5% down on $300,000 = $15,000 cash required at closing for down payment, plus closing costs of approximately $6,000–$9,000.
With Dynamo/Turbo DPA layered on FHA: DPA covers the 3.5% FHA minimum down payment ($10,500). Buyer’s out-of-pocket down payment contribution is reduced to near zero. Closing costs of approximately $6,000–$9,000 still apply and may be partially offset through seller concessions or lender credits depending on rate selection.
Net impact: A buyer who had $8,000 saved — enough for closing costs but not a down payment — can now purchase a $300,000 home that would otherwise have required them to wait another 12–18 months to save.
Implementation Steps
1. Identify your down payment gap: Calculate exactly how much you have saved versus what your target purchase price requires. This number tells you how much DPA coverage you need.
2. Ask specifically about Dynamo and Turbo DPA: These programs are not advertised at retail lenders. When you call 804-212-8663, ask Duane Buziak directly which DPA programs are currently active in your state and whether you qualify.
3. Understand the second-lien terms if applicable: If your DPA comes as a second lien rather than a grant, review the repayment trigger — typically sale, refinance, or end of a specified term. Know what you’re agreeing to before closing.
Pro Tips
DPA programs have income limits and purchase price caps that vary by county and program cycle. They also tend to be first-come, first-served when funding pools are limited. Starting your NoTouch Credit Pull and DPA eligibility check early in your home search — before you’re under contract — gives you the most flexibility.
6. Rate Buydowns: Pay Less Now or Pay Less Forever
The Challenge It Solves
When rates feel high, many buyers freeze — waiting for rates to drop before they buy. Rate buydown strategies let you take action now while managing your payment, either through a temporary reduction that eases your first years in the home or a permanent discount point purchase that lowers your rate for the life of the loan. The math on buydowns is straightforward, but most retail lenders never walk buyers through it. A no credit hit mortgage application through NoTouch Credit Pull lets you model these scenarios before you commit to anything.
The Strategy Explained
There are two distinct buydown structures. A permanent buydown means paying discount points upfront to permanently lower your interest rate. One point equals 1% of the loan amount. A temporary 2-1 buydown reduces your rate by 2% in year one and 1% in year two, then returns to your note rate in year three — often funded by seller concessions at closing.
The permanent buydown makes sense if you plan to stay in the home long enough to recoup the upfront cost. The 2-1 buydown makes sense when sellers are motivated and you expect your income to grow over the next two years. Understanding how interest rates affect your total mortgage cost is essential before deciding which buydown structure fits your situation.
Worked Dollar Example: 1 Discount Point on a $400,000 Loan
For illustrative purposes. Actual rate improvement per point varies by lender and market conditions.
Setup: $400,000 loan. 1 discount point = 1% = $4,000 upfront cost.
Rate improvement (illustrative): 6.875% → 6.5%.
Monthly P&I at 6.875%: approximately $2,627.
Monthly P&I at 6.5%: approximately $2,528.
Monthly savings: approximately $99.
Break-even calculation: $4,000 ÷ $99 = approximately 40 months, or about 3.3 years. If you stay in the home beyond 40 months, the discount point has paid for itself and every subsequent month is pure savings. Over a 7-year first-home tenure, total savings would be approximately $4,356 net of the upfront cost.
Implementation Steps
1. Establish your expected tenure: If you’re buying a starter home you plan to sell in 3–4 years, a permanent buydown may not reach break-even. If you’re buying a long-term home, it almost certainly does.
2. Ask about seller-funded buydowns: In markets where sellers are offering concessions, you may be able to negotiate a 2-1 temporary buydown at no cost to you. This is a negotiating tool your buyer’s agent and broker should coordinate on.
3. Run the break-even math before you lock: Ask Duane Buziak to show you the specific break-even calculation for your loan amount and the actual point-to-rate improvement available on the day you lock. The illustrative example above uses round numbers — your real numbers may be better or different.
Pro Tips
Discount points paid on a purchase mortgage may be deductible in the year paid for buyers who itemize federal taxes. Consult a tax advisor for your specific situation. For a deeper analysis of when buying points makes financial sense, see our guide on whether mortgage points are worth it for buyers in VA, FL, TN, and GA. Also note: the value of a point varies with market conditions — sometimes one point buys 0.25%, sometimes 0.375%. Always ask for the current point-to-rate conversion before deciding.
7. Non-QM Loans: When Your Income Doesn’t Fit a W-2 Box
The Challenge It Solves
Self-employed buyers, gig workers, real estate investors, ITIN holders, and foreign nationals often hit a wall with conventional underwriting because their income doesn’t appear neatly on a W-2. Retail lenders like Rocket Mortgage and Movement Mortgage are structurally limited in their retail channels — they primarily underwrite to Fannie/Freddie guidelines, which require documented W-2 or tax return income. If your income is complex, you need a wholesale broker with access to Non-QM programs that conventional underwriting simply cannot accommodate.
The Strategy Explained
Non-QM (Non-Qualified Mortgage) loans use alternative income documentation methods. The most common programs available through the wholesale channel include:
Bank Statement Loans: Income is calculated from 12–24 months of personal or business bank statements rather than tax returns. Ideal for self-employed buyers whose taxable income is reduced by legitimate business deductions.
ITIN Loans: Available to buyers who have an Individual Taxpayer Identification Number but not a Social Security number. These programs serve non-US citizens who are building credit and income history in the United States.
DSCR Loans: Debt Service Coverage Ratio loans qualify based on the rental income of the property rather than the borrower’s personal income. Primarily used by real estate investors purchasing rental properties.
Foreign National Programs: Available to non-resident buyers purchasing in the United States, typically requiring larger down payments and asset documentation in lieu of US credit history.
Implementation Steps
1. Identify your documentation type: Are you self-employed with strong bank deposits but low taxable income? ITIN holder? Investor buying a rental? Your documentation profile determines which Non-QM program fits.
2. Gather 12–24 months of bank statements: For bank statement programs, consistent monthly deposits are the underwriting foundation. Organize these before your first broker conversation to accelerate the process.
3. Compare Non-QM pricing against conventional: Non-QM loans typically carry higher rates than conforming conventional loans. Ask for the rate spread so you can make an informed decision — sometimes the difference is smaller than buyers expect, especially when the conventional option isn’t actually available to them.
Pro Tips
Non-QM programs are not available through retail lender channels in the same depth as through wholesale. When you work with a soft pull mortgage broker like Duane Buziak, NMLS #1110647, you access a competitive field of Non-QM lenders rather than a single institution’s program. That competition directly benefits your rate. For ITIN borrowers in Virginia specifically, ask about current program availability — wholesale access to ITIN programs in Virginia has expanded in recent years.
8-Question FAQ: First-Time Homebuyer Mortgage Options
Q1: How does a mortgage broker get lower rates than Rocket Mortgage or Movement Mortgage?
A wholesale mortgage broker like Duane Buziak at Coast2Coast Mortgage LLC has access to 500+ wholesale lenders who compete for your loan. Retail lenders like Rocket Mortgage and Movement Mortgage originate from a single rate sheet with built-in retail margin. The wholesale channel removes that markup, and the broker shops multiple lenders simultaneously to find the best available pricing for your specific credit and loan profile.
Q2: Can I get a mortgage rate quote without a hard credit pull?
Yes. The NoTouch Credit Pull soft-pull pre-approval at LowerMortgageRates.com gives you a real rate picture using a soft inquiry that does not appear on your credit report and does not affect your score. This is a genuine no credit hit mortgage application process — you can compare loan options across multiple programs before any lender runs a hard pull.
Q3: What is the current conforming loan limit in 2026?
The FHFA has set the 2026 baseline conforming loan limit at $806,500 for most counties. High-cost designated areas can go up to $1,249,125. Loans at or below these limits qualify for conventional conforming pricing — generally the most competitive rate tier available for first-time buyers with strong credit.
Q4: What is the difference between FHA MIP and conventional PMI for a first-time buyer?
FHA MIP includes an upfront fee of 1.75% of the loan amount plus an annual fee of 0.85% on loans with less than 10% down — and it does not automatically cancel on loans originated after June 2013 with less than 10% down. Conventional PMI typically runs 0.6–0.8% annually and cancels automatically once your loan balance reaches 80% of the original home value. For buyers with FICO scores above 680, conventional PMI often costs less over time.
Q5: What credit score do I need to get the lowest mortgage rate in 2026?
Conventional loan pricing improves at each FICO tier: 620, 640, 660, 680, 700, 720, and 740+. The best conventional pricing is typically available at 740 and above. FHA loans are accessible at 580 for 3.5% down and 500 for 10% down. VA loans through the wholesale channel are available to 500 FICO. Your specific rate also depends on loan amount, LTV, property type, and the lender’s current pricing — which is why shopping multiple lenders through a broker matters.
Q6: How does NoTouch Credit Pull work for a no-hard-inquiry mortgage rate quote?
NoTouch Credit Pull uses a soft inquiry — the same type used when you check your own credit — to pull your credit profile without triggering a hard inquiry. This gives Duane Buziak enough information to provide accurate rate quotes across multiple loan programs. When you’re ready to move forward with a specific lender and lock a rate, a hard pull is required at that point — but not before. This means you can shop rates without any credit score impact during the comparison phase.
Q7: Do USDA loans work in suburban areas of Virginia, Florida, Tennessee, and Georgia?
Yes — more than most buyers realize. USDA Rural Development eligibility covers many suburban communities within commuting distance of major metro areas in all four states. The USDA eligibility map at rd.usda.gov lets you enter a specific address to check. Income limits apply and vary by county and household size. Ask Duane Buziak to run both USDA and FHA comparisons simultaneously — the guarantee fee and annual fee structure on USDA is meaningfully lower than FHA MIP for qualified buyers.
Q8: What mortgage options exist for self-employed first-time buyers who can’t document W-2 income?
Self-employed buyers have several Non-QM paths through the wholesale channel: bank statement loans (12–24 months of deposits used to calculate income), DSCR loans for investment properties, and ITIN programs for buyers without a Social Security number. These programs are not widely available through retail lenders like Rocket Mortgage or Movement Mortgage. A wholesale broker with Non-QM access is the correct starting point. The mortgage pre approval without hard pull process through NoTouch Credit Pull applies to Non-QM programs as well — you can explore your options before committing to any lender.
Your Implementation Roadmap
Seven loan types, one decision. Here’s how to prioritize your next steps without getting overwhelmed.
Step 1 — Run your NoTouch Credit Pull: This is always first. A soft-pull pre-approval gives you your real FICO score and a rate range across loan programs without any credit score impact. Everything else in this list depends on knowing your actual credit position. Call 804-212-8663 or visit LowerMortgageRates.com to start.
Step 2 — Match your profile to a loan type: Use the comparison table at the top of this guide. FICO under 620 and need low down payment → FHA. FICO 680+ with 5% down → conventional. Military service → VA first, always. Target area in suburban VA, FL, TN, or GA → check USDA eligibility. Self-employed or complex income → Non-QM bank statement program.
Step 3 — Check DPA availability before you assume you need more savings: If down payment is your barrier, ask specifically about Dynamo and Turbo DPA programs before deciding to wait. A $15,000 DPA grant or second lien could move your purchase timeline forward by a year or more.
Step 4 — Run the buydown math before you close: One discount point on a $400,000 loan breaks even in approximately 40 months at illustrative rates. If you plan to stay longer than that, the permanent buydown almost always wins. Ask for the specific break-even calculation on your actual loan before you sign closing documents.
Duane Buziak, NMLS #1110647, at Coast2Coast Mortgage LLC, NMLS #376205, serves first-time buyers in Virginia, Florida, Tennessee, and Georgia. The wholesale broker model means 500+ lenders competing for your loan — not one rate sheet take it or leave it. Schedule your free consultation today and start your no hard inquiry mortgage pre approval through NoTouch Credit Pull. Phone: 804-212-8663.
Legal Disclaimer: This is not a commitment to lend. Rates, programs, and terms are subject to change without notice. All worked dollar examples are for illustrative purposes only; actual rates and costs will vary based on creditworthiness, loan amount, property type, and market conditions. Coast2Coast Mortgage LLC, NMLS #376205. Duane Buziak, NMLS #1110647. Licensed to originate mortgage loans in Virginia, Florida, Tennessee, and Georgia only. This content does not constitute legal or tax advice. Consult a qualified tax advisor regarding the deductibility of mortgage interest and discount points.
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**LINK MAP — All Links Added**
| # | Section | Anchor Text | Destination URL | Type |
|—|———|————-|—————–|——|
| 1 | FHA Loans — Strategy Explained | soft credit pull mortgage check | https://lowermortgagerates.com/how-soft-pull-mortgage-prequalification-works/ | Internal |
| 2 | Conventional Loans — Challenge It Solves | wholesale broker shops across 500+ lenders | https://lowermortgagerates.com/mortgage-brokers-when-they-save-you-money/ | Internal |
| 3 | VA Loans — Challenge It Solves | VA loan is almost always your best financial option | https://lowermortgagerates.com/best-mortgage-options-for-veterans/ | Internal |
| 4 | USDA Loans — Strategy Explained | soft pull mortgage broker | https://lowermortgagerates.com/mortgage-pre-approval-guide/ | Internal |
| 5 | Down Payment Assistance — Pro Tips | NoTouch Credit Pull and DPA eligibility check | https://lowermortgagerates.com/cannot-qualify-for-mortgage/ | Internal [BLOG] |
| 6 | Rate Buydowns — Strategy Explained | how interest rates affect your total mortgage cost | https://lowermortgagerates.com/how-interest-rates-affect-mortgage/ | Internal [BLOG] |
| 7 | Rate Buydowns — Pro Tips | whether mortgage points are worth it | https://lowermortgagerates.com/mortgage-points-worth-it/ | Internal [BLOG] |
| 8 | Non-QM Loans — Strategy Explained | self-employed buyers whose taxable income | https://lowermortgagerates.com/bank-statement-mortgage-loans/ | Internal |
| 9 | Non-QM Loans — Pro Tips | wholesale access to ITIN programs in Virginia | https://lowermortgagerates.com/