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Debt-to-Income Ratio (DTI) Explained: How It Impacts Your Mortgage Approval
Feb 25, 2026 5 min read
Debt-to-Income Ratio (DTI) Explained: How It Impacts Your Mortgage Approval

Your Credit Is Strong. Your Savings Are Solid. So Why Did the Bank Say No?You did everything right. Your credit score is healthy. You’ve saved for a down payment. Your income is steady.Then the lender declines your application.In many cases, the issue isn’t your credit. It isn’t your savings. It’s your debt-to-income ratio, also known as DTI.DTI is one of the most common reasons mortgage applica

Understanding HOA Responsibilities Who Handles Maintenance and Repairs in Your Community
Feb 24, 2026 5 min read
Understanding HOA Responsibilities Who Handles Maintenance and Repairs in Your Community

Disclaimer: This guide is meant for general informational purposes only. The rules regarding HOA maintenance and repair responsibilities can vary by state, community type, and local governing documents. For any legal concerns or disputes, it is advisable to consult a qualified attorney or property management professional who is familiar with your area.When you move into a community governed by a

Down Payment Myths Explained: What’s Actually True?
Feb 24, 2026 7 min read
Down Payment Myths Explained: What’s Actually True?

For informational purposes only. Always consult with a licensed mortgage or home loan professional before proceeding with any real estate transaction.Buying a home is one of the biggest financial steps most people will ever take. For many buyers, especially first-timers, the down payment feels like the largest obstacle. There’s a lot of advice floating around from friends, family, and social med

What are the drawbacks or limitations of Virginia’s first-time home buyers' programs?
Feb 24, 2026 7 min read
What are the drawbacks or limitations of Virginia’s first-time home buyers' programs?

Buying your first home in Virginia is exciting. It’s also expensive. Between the down payment, closing costs, and rising home prices in areas like Northern Virginia, Richmond, and Hampton Roads, many first-time buyers feel priced out before they even start. That’s where Virginia’s first-time home buyer programs come in.Most of these programs are administered through Virginia Housing, the state’s

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Data last updated: February 5, 2026 6:11 AM UTC

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