Mid-Year 2026 Real Estate and Mortgage Market Trends Last December, I published a blog discussing the outlook for mortgage interest rates and home prices in 2026. At that time, there was strong optimism surrounding
Mortgage Banker vs Mortgage Broker: Pros and Cons When obtaining a mortgage in the United States, borrowers generally have two options: working with a Mortgage Banker or a Mortgage Broker. Both have advantages
Ways to Lower Your Monthly Mortgage Payment Through Refinancing One of the primary goals of refinancing a mortgage is to reduce your monthly mortgage payment. Depending on your financial situation, there are several strategies available.
Why Korean-Americans Have a Lower Homeownership Rate Than the Asian Average in the U.S. Owning a home in the United States is more than simply having a place to live. In America, home equity has
Fixed-Rate Mortgages vs Adjustable-Rate Mortgages (ARM): Key Differences and Features When purchasing or refinancing a home in the United States, one of the most important decisions is choosing the right mortgage interest rate structure. For
What is a First-Time Home Buyer Mortgage Program? A First-Time Home Buyer program is a special mortgage program designed to help people purchase their first home in the United States. These
Important Reasons to Buy a Home in the United States Buying a home in the United States means much more than simply having a place to live. For many people, purchasing
How to Get a Lower Mortgage Interest Rate When purchasing a home or refinancing, one of the most important factors is the interest rate. Even a 1% difference in the interest rate
Lower Interest Rates, Faster Closings: AI-Powered Automated Mortgage System The U.S. mortgage industry is changing rapidly. Recently, Loan Factory announced a partnership with mortgage technology company Pylon to introduce a
No Down Payment SBA Commercial Real Estate Loan — Is It Really Possible? If you’re running a business in the U.S., you’ve probably thought at least once, “I want to own my
Comparison: QM (Qualified Mortgage) vs Non-QM (Non-Qualified Mortgage) When purchasing a home or refinancing in the United States, mortgage loans are generally divided into two main categories based on how income is
🏡 U.S. Home Mortgage Programs for E2, H1B and L1 Visa Holders E-2, H1B or L-1 visa holders who are legally residing in the United States can also utilize various loan programs when purchasing
🏡 California Dream For All Program (2026)Down Payment Assistance Program for First-Time Homebuyers in California The State of California operates the “California Dream For All” program to help first-time homebuyers purchase a home even in
SBA Loan: Key Policy Changes Effective March 1, 2026 Starting March 1, 2026, there are significant changes to SBA loan eligibility requirements and policies. The U.S. Small Business Administration (SBA) has revised its Standard Operating
Recent announcements by the Trump administration regarding Mortgage On January 8, President Trump directed Fannie Mae and Freddie Mac to purchase approximately $200 billion in mortgage-backed securities. From the following day, mortgage interest rates
A Complete Guide to U.S. Real Estate Loan Programs for Self-Employed & 1099 Freelancers For self-employed individuals or 1099 freelancers who are not W-2 employees, it is common to deduct many business
2026 Mortgage Rate & Home Price Outlook (U.S.) The general consensus for 2026 U.S. mortgage rates is that a sharp decline is unlikely, with gradual improvement more realistic, while home prices are expected to see modest growth.
🏡 Why Getting a Mortgage Pre-Approval Should Be Your First Step When Buying a Home: When many people begin the process of buying a home in the U.S., they often start by visiting open houses or browsing
The Types of Interest Rates Set by the U.S. Federal Reserve and Their Relationship to Mortgage Rates I. Several Differences in U.S. Federal Reserve Interest Rates The U.S. Federal Reserve (Fed) has several types of interest
🔹 What is DPA? The DPA (Down Payment Assistance) program helps cover the down payment and a portion of the closing costs needed when purchasing a home. It is especially common for first-time homebuyers or low- to moderate-income borrowers.
No Down Payment SBA Commercial Real Estate Loan — Is It Really Possible? If you’re running a business in the U.S., you’ve probably thought at least once, “I want to own my
Business Working Capital Loan Options for Green Card Holders As of March 2026, the U.S. government has implemented a policy change restricting SBA business loan eligibility to U.S. citizens only. In addition, due to recent global economic
SBA Loan: Key Policy Changes Effective March 1, 2026 Starting March 1, 2026, there are significant changes to SBA loan eligibility requirements and policies. The U.S. Small Business Administration (SBA) has revised its Standard Operating
Types of Business Loans and Their Pros & Cons When running a business in the U.S., securing working capital is always a key challenge. Whether it’s for business expansion, equipment purchases, inventory, or simply to maintain smooth
The Types of Interest Rates Set by the U.S. Federal Reserve and Their Relationship to Mortgage Rates I. Several Differences in U.S. Federal Reserve Interest Rates The U.S. Federal Reserve (Fed) has several types of interest
🏛️ SBA 7(a) Small Loan Program Limit to Be Reduced (Effective June 1, 2025) The U.S. Small Business Administration (SBA) announced that starting June 1, 2025, the maximum loan amount for 7(a) Small
The Impact of Personal Credit on Loans and How to Maintain a Good FICO Credit Score, Plus the Three Major U.S. Credit Bureaus: The Importance of Personal Credit (Credit Score) in Loans Personal credit
Funding Options for Startups: One of the most critical factors for many small business entrepreneurs preparing to start a business is securing funding. Without sufficient initial operating capital, it can be challenging to launch a business, making it essential
Terry Kwon
Contact: (631) 624-4480
Email: terry@milestonepointinc.com
Funding Director at Milestone Point, Inc.
Licensed Mortgage Originator at Loan Factory
NMLS #2620208
Loan Factory NMLS #320841
